<SEC-DOCUMENT>0001193125-17-203193.txt : 20170614
<SEC-HEADER>0001193125-17-203193.hdr.sgml : 20170614
<ACCEPTANCE-DATETIME>20170614114108
ACCESSION NUMBER:		0001193125-17-203193
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		87
CONFORMED PERIOD OF REPORT:	20170331
FILED AS OF DATE:		20170614
DATE AS OF CHANGE:		20170614

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:		17910577

	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>d318033d10k.htm
<DESCRIPTION>FORM 10-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 10-K</TITLE>
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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 <FONT
STYLE="white-space:nowrap">10-K</FONT> </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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B>&#9746;<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, 2017 </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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B>&#9744;<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;</U> to
<U>&nbsp;&nbsp;&nbsp;&nbsp;</U><U>&nbsp;&nbsp;&nbsp;&nbsp;</U><U>&nbsp;&nbsp;&nbsp;&nbsp;</U><U>&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: <FONT STYLE="white-space:nowrap">0-26680</FONT> </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">


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


<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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) <FONT STYLE="white-space:nowrap">726-0763</FONT> </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="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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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;&nbsp;&#9744;&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;&nbsp;&#9746; </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;&#9744; </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;&nbsp;&#9746;&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;&nbsp;&#9744; </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 <FONT STYLE="white-space:nowrap">S-T</FONT> 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;&nbsp;&#9746;&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;&nbsp;&#9744; </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 <FONT STYLE="white-space:nowrap">S-K</FONT> 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 <FONT STYLE="white-space:nowrap">10-K</FONT> or any amendment to this Form <FONT STYLE="white-space:nowrap">10-K.&nbsp;&nbsp;&#9744;</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 <FONT STYLE="white-space:nowrap">non-accelerated</FONT>
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 <FONT STYLE="white-space:nowrap">12b-2</FONT> 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="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; 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">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9746;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><FONT STYLE="white-space:nowrap">Non-accelerated</FONT> filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Smaller&nbsp;reporting&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Emerging&nbsp;growth&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period
for complying with any new or revised financial accounting standards provided pursuant to Section&nbsp;13(a) of the Exchange Act.&nbsp;&nbsp; &#9744; </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 shell company (as defined in Rule <FONT STYLE="white-space:nowrap">12b-2</FONT> of the Exchange
Act).&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;&#9744;&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;&#9746; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">At September&nbsp;30, 2016, the aggregate market value
of the Registrant&#146;s common shares held by <FONT STYLE="white-space:nowrap">non-affiliates</FONT> of the Registrant was approximately $77.0&nbsp;million. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of June&nbsp;6, 2017, 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="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 2017 Annual General Meeting of Shareholders are incorporated by
reference in Part III, Items 10 through 14, of this Annual Report on Form <FONT STYLE="white-space:nowrap">10-K.</FONT> </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'>
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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>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 <FONT STYLE="white-space:nowrap">10-K</FONT> 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">


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<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="86%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="#tx318033_1">PART I </A></B></P></TD>
<TD VALIGN="bottom">&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="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_2">Business</A></P></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;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_3">Risk Factors</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_4">Unresolved Staff Comments</A></P></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;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_5">Properties</A></P></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;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_6">Legal Proceedings</A></P></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;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_7">Mine Safety Disclosures</A></P></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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="#tx318033_8">PART&nbsp;II </A></B></P></TD>
<TD VALIGN="bottom">&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="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_9">Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer
 Purchases of Equity Securities</A></P></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;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_10">Selected Financial Data</A></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></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_11">Management&#146;s Discussion and Analysis of Financial Condition and Results of
 Operations</A></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></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_12">Quantitative and Qualitative Disclosures About Market Risk</A></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></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_13">Financial Statements and Supplementary Data</A></P></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;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_14">Changes In and Disagreements With Accountants on Accounting and Financial Disclosure
</A></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;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_15">Controls and Procedures</A></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;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_16">Other Information</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>58</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="#tx318033_17">PART&nbsp;III </A></B></P></TD>
<TD VALIGN="bottom">&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="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_18">Directors, Executive Officers and Corporate Governance</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>58</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_19">Executive Compensation</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>58</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_20">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder
 Matters</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>58</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_21">Certain Relationships and Related Transactions, and Director
Independence</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>58</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_22">Principal Accountant Fees and Services</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>59</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="#tx318033_23">PART&nbsp;IV </A></B></P></TD>
<TD VALIGN="bottom">&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="page-break-inside:avoid ; 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;</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"><A HREF="#tx318033_24">Exhibits and Financial Statement Schedules </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>60</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Forward-Looking Information </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> (&#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 other
filings made with the US Securities and Exchange Commission (&#147;SEC&#148;), including its reports on Forms <FONT STYLE="white-space:nowrap">10-Q,</FONT> <FONT STYLE="white-space:nowrap">8-K</FONT> and <FONT STYLE="white-space:nowrap">10-K</FONT>
and annual reports to shareholders. </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="tx318033_1"></A>PART I </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_2"></A>Item&nbsp;1. Business </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>General </U></B></P> <P STYLE="margin-top:6pt; 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 years ended March&nbsp;31, 2017 and 2016, and more than 99% of the Company&#146;s consolidated revenues for the fiscal year ended
March&nbsp;31, 2015. </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 the fiscal year ended
March&nbsp;31, 2015. 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 2017&#148; are to our fiscal year ended March&nbsp;31, 2017, references to &#147;fiscal 2016&#148; are to our fiscal year ended March&nbsp;31, 2016, and references to &#147;fiscal
2015&#148; are to our fiscal year ended March&nbsp;31, 2015. </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 <FONT STYLE="white-space:nowrap">(727)&nbsp;726-0763.</FONT> </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Available
Information </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s filings with the SEC, including annual reports on Form <FONT STYLE="white-space:nowrap">10-K,</FONT> quarterly
reports on Form <FONT STYLE="white-space:nowrap">10-Q,</FONT> definitive proxy statements on Schedule 14A, current reports on Form <FONT STYLE="white-space:nowrap">8-K,</FONT> 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 <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-800-SEC-0330.</FONT></FONT></FONT> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Operating Strategy </U></B></P> <P STYLE="margin-top:6pt; 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 the measured acquisition of Contracts in existing markets and broadening the geographic area in which its current branches operate. The Company seeks to strengthen
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 implementing a centralized funding process and supplementing consumer data obtained from traditional credit bureaus with information obtained from alternative bureaus that is not available from traditional
reporting agencies to better inform its automobile financing underwriting. During fiscal 2016, the Company started buying Contracts in Wisconsin and Pennsylvania. Dealers in Wisconsin are serviced in our Gurnee, Illinois branch. During fiscal 2017,
the Company consolidated three branch locations (Sarasota, FL; Toledo, OH; and, Troy, MI) 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 is also evaluating its operational strategy and 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
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: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>


<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 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:18pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
Company is engaged in the business of providing financing programs, primarily to purchasers of 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 <FONT STYLE="white-space:nowrap">10-K,</FONT> the Company&#146;s automobile finance programs are conducted in
eighteen states through a total of 65 branch offices, consisting of nineteen in Florida, seven in Ohio, six in each of North Carolina and Georgia, three in each of Illinois, Indiana, Kentucky, and Missouri, two in each of Alabama, South Carolina,
Tennessee, Texas, Michigan and Virginia, and one in each of Kansas, Pennsylvania and Maryland. The Company acquires Contracts 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, 2017, the Company had <FONT STYLE="white-space:nowrap">non-exclusive</FONT> agreements with approximately 4,200 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 <FONT STYLE="white-space:nowrap">trade-in,</FONT> 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 by the purchaser of the automobile. We refer to the difference between the negotiated price and the original principal amount being financed as the dealer discount. 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. Generally, 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 Company&#146;s dealer discount than in other markets. 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, 2017, the Company&#146;s loan portfolio consisted exclusively of Contracts purchased without recourse to the dealer, however 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>


<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>Contract Procurement </U></B></P>
<P STYLE="margin-top:6pt; 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, 2017 was a 2009
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></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Maximum</B><br><B>allowable</B><br><B>interest&nbsp;rate&nbsp;(1)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,106</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,764</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">18-30</FONT></TD>
<TD NOWRAP VALIGN="bottom">%(3)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>47,923</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">55,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">18-30</FONT></TD>
<TD NOWRAP VALIGN="bottom">%(3)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>16,080</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">18,227</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,057</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">7,563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,330</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">8,595</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,946</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">3,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">18-25</FONT></TD>
<TD NOWRAP VALIGN="bottom">%(3)&nbsp;</TD>
<TD VALIGN="bottom">&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;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,837</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,714</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">2,626</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,622</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">7,671</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,244</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">8,227</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">18-29</FONT></TD>
<TD NOWRAP VALIGN="bottom">%(3)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,910</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">14,291</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>19,366</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">24,520</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">18-21</FONT></TD>
<TD NOWRAP VALIGN="bottom">%(3)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,749</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">392</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,572</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">6,145</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,249</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">6,134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">18-28</FONT></TD>
<TD NOWRAP VALIGN="bottom">%(3)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,557</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">4,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,973</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">4,614</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,121</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">382</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"></TD>
<TD VALIGN="bottom"></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>170,941</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">187,275</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,369</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"></TD>
<TD VALIGN="bottom"></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: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 style = "page-break-inside:avoid">
<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 style = "page-break-inside:avoid">
<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% 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 style = "page-break-inside:avoid">
<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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>170,941</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">187,275</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>22.22</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">22.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>7.08</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">7.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>57</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">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>11,693</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,348</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>14,619</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">16,503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,264</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"><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 11,000 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 </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">
the foreseeable future. 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
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 provided that the original principal balance of the loan is greater than $3,000. The Company does not expect to pursue a Direct Loan
license in any other state during the fiscal year ending March&nbsp;31, 2018. The size of the loan and maximum interest rate that can be charged vary from state to state. 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 as the primary factors in determining whether an applicant will receive an approval for such 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, 2017. </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 unaffiliated third-party insurance carriers. Customers in approximately 83% of the approximate 3,000 Direct Loan transactions outstanding as of March&nbsp;31, 2017 elected to purchase third-party insurance coverage made
available by the Company. The cost of this insurance to the customer, which includes a commission for the Company, 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,676</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted APR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>25.99</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.82</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average term (months)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>30</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average loan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,626</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,589</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,536</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>2,393</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">2,669</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,694</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"><B><U>Underwriting Guidelines </U></B></P>
<P STYLE="margin-top:6pt; 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 traditional 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 and/or
TransUnion, which are independent credit reporting services. The Company verifies the consumer&#146;s employment history, income and residence. As of March&nbsp;1, 2017, the Company engaged a third-party provider of alternative data (not available
from the traditional reporting services) to assist in the evaluation process of an applicant&#146;s credit history. 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 District Managers or 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 as well as approving underwriting exceptions. </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: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; 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;4,&#148; indicating lower creditworthiness.
Contracts are financed for individuals who fall within all four acceptable rating categories utilized, &#147;1&#148; through &#147;4&#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, while a customer in any of the two lowest categories (i.e., &#147;3,&#148; or &#147;4&#148;) usually is purchasing an older, high mileage automobile from an independent used automobile
dealer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company utilizes internal audit (the &#147;IA&#148;) to perform <FONT STYLE="white-space:nowrap">on-site</FONT> 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 Branch Operations. </P> <P STYLE="margin-top:18pt; 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:6pt; 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 obtain 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 Contract acquired by the Company less than 180 days prior to the determinations date is included on the delinquency report on the first day that the
Contract is contractually past due. Contracts acquired by the Company 180 days or more days prior to the determination date are not included on the delinquency report until they are more than 10 days past due. Determinations with respect to
repossession are based on many factors which include but are not limited to, delinquency status, payment history, number of months since Contract acquisition, current value of the collateral, customer&#146;s employment status, communication with the
customer, customer&#146;s intent to pay, etc. At 180 days delinquent, if the vehicle has not yet been repossessed, the account is <FONT STYLE="white-space:nowrap">charged-off</FONT> and transferred to the Loss Prevention and Recovery Department.
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 generally sold at auction. </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 is subject to seasonal variations within the subprime marketplace. While the APR, Discount, and term remain consistent across quarters, write offs
and delinquencies tend to be lower while purchases tend to be higher in the fourth and first quarter of the fiscal year. The second and third quarter of the fiscal year tend to have higher write offs and delinquencies, and a lower level of
purchases. </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"><B><U>Marketing and Advertising </U></B></P>
<P STYLE="margin-top:6pt; 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 <FONT
STYLE="white-space:nowrap">60-mile</FONT> 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Computerized Information System </U></B></P> <P STYLE="margin-top:6pt; 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Competition </U></B></P> <P STYLE="margin-top:6pt; 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, resulting in 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 on loans purchased for the fiscal years ended March&nbsp;31, 2017, 2016, and 2015 was 7.08%, 7.51% and 8.08%, respectively. Further, increased competition has resulted in the purchase of lower credit quality Contracts. </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">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. Historically, the Company was able to expand its automobile finance business in the <FONT STYLE="white-space:nowrap">non-prime</FONT> credit market by offering to
purchase Contracts on terms that are competitive with those of other companies. However, it has become increasingly difficult for the Company to match or exceed pricing of its competitors, which has resulted in declining Contract acquisition rates
during the 2016 and 2017 fiscal years. 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. </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 represents a
significant amount of the Company&#146;s business volume for any of the fiscal years ended March&nbsp;31, 2017, 2016 or 2015. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Regulation
</U></B></P> <P STYLE="margin-top:6pt; 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 many federal, state and local statutes,
regulations and ordinances. Additionally, the procedures that the Company must follow regarding 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>State consumer regulatory agency requirements.</I> Pursuant to state regulations, <FONT STYLE="white-space:nowrap">on-site</FONT> audits can be conducted for each of the Company&#146;s branches located within
Alabama, Florida, Illinois, Indiana, Kansas, Michigan, Missouri and Texas 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 Florida and North Carolina law, the Company&#146;s Direct Loan
activities in each state are subject to similar periodic <FONT STYLE="white-space:nowrap">on-site</FONT> audits by the Florida Financial Services Commission and the North Carolina Office of the Commissioner of Banks, respectively. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>State licensing requirements.</I> The Company files a notification or obtains a license to acquire Contracts within the following states: Alabama; Florida; Illinois; Indiana; Kansas; Maryland; Michigan; Missouri;
Pennsylvania; South Carolina; Texas; and, Wisconsin. In regards to its&#146; Direct Loan activities in Florida and North Carolina, the Company maintains separate Consumer Finance Licenses with the Florida Department of Banking and Finance and the
North Carolina Office of the Commissioner of Banks. Furthermore, some states require dealers to maintain a Retail Installment Seller&#146;s License, and where applicable, the Company only conducts business with dealers who hold such a license.
</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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Electronic Signatures in Global and National Commerce Act.</I> The Electronic Signatures in Global and National Commerce Act (&#147;ESIGN&#148;) requires the Company to provide consumers with clear and conspicuous
disclosures before the consumer gives consent to authorize the use of electronic signatures, electronic contracts and electronic records. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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, as well as, ensure the accuracy and integrity of consumer information reported to credit reporting agencies. </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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<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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 and places limitations on collection and repossession activity. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Military Lending Act.</I> The Military Lending Act (&#147;MLA&#148;) requires the Company to limit the military annual percentage rate (&#147;MAPR&#148;) that the Company may charge to a maximum of 36&nbsp;percent,
requires certain disclosures to military consumers, and provides other substantive consumer protections on credit extended to Servicemembers and their families. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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, <FONT
STYLE="white-space:nowrap">pre-recorded</FONT> or artificial voice calls on customers&#146; land lines, fax machines and cell phones, including text messages. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<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:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><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 <FONT STYLE="white-space:nowrap">non-depository</FONT> 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 also may restrict the use of <FONT STYLE="white-space:nowrap">pre-dispute</FONT> 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 issued rules regarding the supervision and examination of
<FONT STYLE="white-space:nowrap">non-depository</FONT> &#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. </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 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: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">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. 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Employees </B></P> <P STYLE="margin-top:6pt; 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, 2017, the Company employed a total of 306 persons, of which 58 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">9 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_3"></A>Item&nbsp;1A. Risk Factors </B></P>
<P STYLE="margin-top:6pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We may experience high
delinquency and loss rates in our portfolios, which could reduce our profitability. In addition, our inability to accurately forecast and estimate the amount and timing of future collections could have a material adverse effect on our financial
position, liquidity and results of operations. </B></P> <P STYLE="margin-top:6pt; 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 Contracts and Direct Loans are to <FONT STYLE="white-space:nowrap">non-prime</FONT> borrowers, who are unable to
obtain financing from traditional sources due to their credit history. Contracts and Direct Loans made to these individuals generally entail a higher risk of delinquency, default and repossession and higher losses than loans made to consumers with
better credit. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our underwriting standards and collection procedures may not offer adequate protection against the risk of default, especially in periods
of economic uncertainty and wage stagnation 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 Contract or Direct Loan balance and
costs of recovery. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our ability to accurately forecast performance, and determine an appropriate provision and allowance for credit losses, is critical to
our business and financial results. 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 portfolio, the composition of the portfolio, specific impaired
Contracts and Direct Loans and current economic conditions. Please see &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations &#150; Critical Accounting Policy&#148; in Item 7 of this Form <FONT
STYLE="white-space:nowrap">10-K,</FONT> which is incorporated herein by reference. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">There can be no assurance that our performance forecasts will be
accurate. In periods with changing economic conditions, such as is the case currently, accurately forecasting the performance of Contract and Direct Loans is more difficult. Our allowance for losses is an estimate, and if actual Contract and Direct
Loan losses are materially greater than our allowance for losses, or more generally, if our forecasts are not accurate, our financial position, liquidity and results of operations could be materially adversely affected. </P>
<P STYLE="margin-top:12pt; 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">In June 2016, the Financial Accounting Standards Board (&#147;FASB&#148;) issued the ASU <FONT
STYLE="white-space:nowrap">2016-13</FONT> Financial Instruments&#151;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. Among other things, the amendments in this ASU require the measurement of all expected credit
losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to
better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. The ASU also requires
additional disclosures related to estimates and judgments used to measure all expected credit losses.&nbsp;The new guidance is effective for fiscal years, and interim periods within those fiscal years, beginning after December&nbsp;15, 2019. Early
application will be permitted for all organizations for fiscal years, and interim periods within those fiscal years, beginning after December&nbsp;15, 2018. The Company is currently evaluating the impact of the adoption of this ASU on the
consolidated financial statements, and is collecting and analyzing data that will be needed to produce historical inputs into any models created as a result of adopting this ASU. At this time, we believe the adoption of this ASU will have likely
have a material adverse effect on our consolidated financial statements. </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; font-size:10pt; font-family:Times New Roman"><B>We operate in an increasingly competitive market. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The <FONT STYLE="white-space:nowrap">non-prime</FONT> 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 <FONT STYLE="white-space:nowrap">non-prime</FONT> consumer financing have
traditionally competed primarily on the basis of: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the flexibility of Contract and Direct Loan terms offered; and </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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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. In recent years, it has become
increasingly difficult for the Company to match or exceed pricing of its competitors, which has resulted in declining Contract acquisition rates during the 2016 and 2017 fiscal years. </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, 2017, 2016, and 2015 was 7.08%, 7.51%, and 8.08%,
respectively. The Company&#146;s weighted average APR for the fiscal years ended March&nbsp;31, 2017, 2016, and 2015 was 22.44%, 22.73%, and 22.93%, respectively. Further reductions in our interest rates, fees or dealer discount rates will continue
to impact our profitability and financial condition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition, the number of Contracts and Direct Loans under which customers decided to discontinue
contractually required payments to us after they were approved by other lenders for new vehicle financing has recently increased. We are particularly vulnerable to the effects of these practices because of our focus on providing financing with
respect to used vehicles. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our business depends on our continued access to bank financing on acceptable terms. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We continue to depend on the availability of our line of credit, together with cash from operations, to finance our operations. Our business is particularly
dependent on our ability to access bank financing at competitive rates. We currently use a $225.0&nbsp;million line of credit facility with a consortium of lenders to finance a large portion of our purchases of Contracts and fund our Direct Loans.
This line of credit, which is secured by substantially all our assets, has a maturity date of January&nbsp;30, 2018. Our average indebtedness under the line of credit increased to $211.0&nbsp;million in fiscal 2017 from $208.2&nbsp;million in fiscal
2016 and $133.4&nbsp;million in fiscal 2015. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The availability of funds under our credit facility generally depends on availability calculations as
defined in the corresponding credit agreement. In addition, our 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. See &#147;<I>The terms of our indebtedness impose significant restrictions on us.&#148;</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The quality of the Company&#146;s loan
portfolio has been deteriorating, which has resulted in an increase in <FONT STYLE="white-space:nowrap">non-performing</FONT> loans, increased delinquencies and other factors, which in turn has resulted in increased net charge-offs and an increase
in the provision for credit losses. These conditions have resulted in a reduction in net earnings and have affected our borrowing capacity under the line of credit facility. </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; font-size:10pt; font-family:Times New Roman">The Company&#146;s operating results over recent quarters provided indicators that the Company may not be able to
continue to comply with certain of the required financial ratios, covenants and financial tests prior to the maturity date of the line of credit facility in the absence of an amendment to the corresponding credit agreement. Failure to meet any
financial ratios, covenants or financial tests could result in an event of default under our line of credit facility. If an event of default occurs under the credit facility, our lenders could increase our borrowing costs, restrict our ability to
obtain additional borrowings under the facility, accelerate all amounts outstanding under the facility, or enforce their interest against collateral pledged under the facility. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">While management believes that it will be able to obtain a renewal or extension of the credit facility, there are no assurances that the lenders will approve
the renewal or extension, or, assuming that they will approve it, that the facility will not be on terms less favorable than the current agreement. In the event that the Company obtains information that the existing lenders do not intend to extend
the relationship, the Company will seek alternative financing. The Company believes it is probable that it will be able to obtain financing from either its existing lenders or from other sources; however, it can provide no assurances that it will be
successful in replacing the line of credit facility on reasonable terms or at all. If the Company is unable to renew or replace the facility or find alternative financing, it may be forced to liquidate. </P>
<P STYLE="margin-top:18pt; 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:6pt; 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<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>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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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<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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:6pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Potential events of default under our current line of credit facility, include, but
are not limited to: </P> <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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Any one person owning more than twenty percent (20%) of our voting stock without the prior written approval of the majority lenders of the credit facility; </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">12 </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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Failure to maintain the appropriate Interest Coverage Ratio of at least 1.50:1 calculated as of the last day of each four-quarter period then ended (defined as (a)&nbsp;the sum of (i)&nbsp;adjusted net earnings from
operations for the applicable period (reduced by any increase in charge off shortfall and loss reserve shortfall), (ii) interest expense and (iii)&nbsp;any provision for income taxes for such period, divided by (b)&nbsp;aggregate interest expense
for such period, as further set forth in the Second Amended and Restated Loan and Security Agreement, as subsequently amended), </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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Failure to maintain appropriate ratios as it pertains to the Collateral Adjustment Percent (as defined in the Second Amended and Restated Loan and Security Agreement, as subsequently amended). </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We require a significant amount of cash to service our indebtedness and meet our other liquidity needs. </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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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. Any equity financings may cause substantial dilution to our stockholders and could involve the issuance of securities with rights senior to the common shares. Any
additional debt financings we undertake may require us to comply with onerous financial covenants and restrict our business operations. Our ability to complete additional financings is dependent on, among other things, the state of the capital
markets at the time of any proposed offering, market reception of the Company and the likelihood of the success of its business model, of the offering terms, etc. We may not be able to obtain any such additional capital as we need to finance our
efforts, through asset sales, equity or debt financing, or any combination thereof, on satisfactory terms or at all. Additionally, any such financing, if at all obtained, may not be adequate to meet our capital needs and to support our operations.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If adequate capital cannot be obtained on a timely basis and on satisfactory terms, it would have a material adverse effect on our ability to implement
our business plan, and our revenues and operations and the value of our common stock and common stock equivalents would be materially negatively impacted and we may be forced to curtail or cease our operations. </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. </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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" 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, including in light of the current volatility affecting the global economic system and uncertainty surrounding regulatory reforms. If new debt is added to our current levels, the risks described above could intensify. </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 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 the Contracts and 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. The CFPB has outlined several proposals under consideration for the purpose of requiring lenders to take steps to ensure consumers have the financial ability to repay their loans. The proposals under consideration would require
lenders to determine at the outset of each loan whether a consumer can afford to borrow from the lender and would require that lenders comply with various restrictions designed to ensure that consumers can affordably repay their debt to the lender.
To date, the proposals under consideration by the CFPB have not been adopted. If adopted, the proposals outlined by the CFPB may require the Company to make significant changes to its lending practices to develop compliant procedures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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&nbsp;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 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 <FONT STYLE="white-space:nowrap">non-depository</FONT> &#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: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"><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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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:18pt; 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:6pt; 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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 style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" 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: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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 <P STYLE="margin-top:0pt; 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 <FONT STYLE="white-space:nowrap">co-defendant</FONT> 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:18pt; 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:6pt; 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:18pt; 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:6pt; 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:18pt; 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:6pt; 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 <FONT STYLE="white-space:nowrap">non-prime</FONT> 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 <FONT
STYLE="white-space:nowrap">non-prime</FONT> 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 <FONT STYLE="white-space:nowrap">non-prime</FONT> 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 22.73% to 22.44% for the fiscal years ended March&nbsp;31, 2016 and 2017, respectively. Our average dealer discount decreased from 7.51% to
7.08% for the fiscal years ended March&nbsp;31, 2016 and 2017, respectively. </P> <P STYLE="margin-top:18pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Over the past several years, the United States has experienced a period of uncertainty in the subprime auto market that has
adversely affected our business and financial condition. Stagnant wages and intense competition 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 <FONT STYLE="white-space:nowrap">non-prime</FONT> 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. According to data published by the Federal Reserve Bank of New York, in the quarter ended December&nbsp;31, 2016, auto loan delinquencies of at least 30 days were at their highest levels since 2008. 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">16 </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:6pt; 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 <FONT STYLE="white-space:nowrap">30-day</FONT> 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 <FONT STYLE="white-space:nowrap">trade-ins</FONT> due
to promotional financing programs offered by new vehicle manufacturers. We have experienced declining auction proceeds for approximately the past 5 years 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:18pt; 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:6pt; 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 <FONT STYLE="white-space:nowrap">1-month</FONT> LIBOR rate. This swap has an effective date of June&nbsp;13, 2012 and a notional amount of $25&nbsp;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 <FONT STYLE="white-space:nowrap">1-month</FONT> LIBOR rate. This swap has an effective date of
August&nbsp;13, 2012 and a notional amount of $25&nbsp;million. Both of the swaps will mature during the second quarter of fiscal year ended 2018. 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:18pt; 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:6pt; 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. </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:18pt; 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:6pt; 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, and share such data with third parties. 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">Any failure, interruption, or breach in our cyber security, including through employee misconduct or any failure of our
<FONT STYLE="white-space:nowrap">back-up</FONT> systems or failure to maintain adequate security surrounding customer information, could result in reputational harm, disruption in the management of our customer relationships, or the inability to
originate, process and service our products. Further, any of these cyber security and operational risks could result in a loss of customer business, subject us to additional regulatory scrutiny, or expose us to lawsuits by customers for identity
theft or other damages resulting from the misuse of their personal information and possible financial liability, any of which could have a material adverse effect on our results of operations, financial condition and liquidity. In addition,
</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">17 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
regulators may impose penalties or require remedial action if they identify weaknesses in our security systems, and we may be required to incur significant costs to increase our cyber security to
address any vulnerabilities that may be discovered or to remediate the harm caused by any security breaches. As part of our business, we may share confidential customer information and proprietary information with clients, vendors, service
providers, and business partners. The information systems of these third parties may be vulnerable to security breaches and we may not be able to ensure that these third parties have appropriate security controls in place to protect the information
we share with them. If our confidential information is intercepted, stolen, misused, or mishandled while in possession of a third party, it could result in reputational harm to us, loss of customer business, and additional regulatory scrutiny, and
it could expose us to civil litigation and possible financial liability, any of which could have a material adverse effect on our results of operations, financial condition and liquidity. </P>
<P STYLE="margin-top:12pt; 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We partially rely on third parties to deliver services, and failure by
those parties to provide these services or meet contractual requirements could have a material adverse effect on our business, financial condition and results of operations. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We depend on third-party service providers for many aspects of our business operations, including loan origination, title processing and online payments, which
increases our operational complexity and decreases our control. We rely on these service providers to provide a high level of service and support, which subjects us to risks associated with inadequate or untimely service. If a service provider fails
to provide the services that we require or expect, or fails to meet contractual requirements, such as service levels or compliance with applicable laws, a failure could negatively impact our business by adversely affecting our ability to process
customers&#146; transactions in a timely and accurate manner, otherwise hampering our ability to service our customers, or subjecting us to litigation or regulatory risk for poor vendor oversight. We may be unable to replace, or be delayed in
replacing these sources and there is a risk that we would be unable to enter into a similar agreement with an alternate provider on terms that we consider favorable or in a timely manner. Such a failure could have a material and adverse effect on
our business, financial condition and results of operations. </P> <P STYLE="margin-top:18pt; 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:6pt; 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: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>


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 <P STYLE="margin-top:0pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On June&nbsp;12, 2017, Ralph T. Finkenbrink informed us that he would be retiring as our President and Chief Executive Officer effective September&nbsp;30,
2017. Mr.&nbsp;Finkenbrink has been employed by the Company for 29 years, including 25 years in senior executive positions. While our Board of Directors intends to commence a search for a replacement shortly, there can be no assurances that we will
be successful in finding and hiring a suitable replacement. Our future growth and development is significantly dependent upon the skills and experience of our senior management team, including Mr.&nbsp;Finkenbrink&#146;s successor as President and
Chief Executive Officer, as well 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 <FONT STYLE="white-space:nowrap">key-man</FONT>
life insurance policies on these executives. The loss of Mr, Finkenbrink, and the loss of services of one or more of the other executives, could have a material adverse effect on our business, results of operations and financial condition. </P>
<P STYLE="margin-top:18pt; 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:6pt; 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, 2017 was approximately 18,000
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:18pt; 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:6pt; 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="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_4"></A>Item&nbsp;1B. Unresolved Staff
Comments </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_5"></A>Item&nbsp;2. Properties </B></P> <P STYLE="margin-top:6pt; 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 65 branch offices located in Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, North
Carolina, Ohio, Pennsylvania, 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 $37.00 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="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_6"></A>Item&nbsp;3. Legal Proceedings </B></P>
<P STYLE="margin-top:6pt; 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">19 </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><A NAME="tx318033_7"></A>Item&nbsp;4. Mine Safety Disclosures </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Not Applicable. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_8"></A>PART II </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_9"></A>Item&nbsp;5. Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
</B></P> <P STYLE="margin-top:6pt; 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, 2017 and 2016,
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="page-break-inside:avoid ; 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, 2017</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="page-break-inside:avoid ; 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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11.03</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10.03</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10.95</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10.01</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12.50</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8.56</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12.50</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10.01</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9.92</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">As of June&nbsp;8 2017, there were approximately 1,150 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">The Company has not declared and paid cash dividends on its common shares in the recent past and has 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. </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>


<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">There are no Canadian foreign exchange controls or laws that would affect the remittance of dividends or other
payments to the Company&#146;s <FONT STYLE="white-space:nowrap">non-Canadian</FONT> 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 <FONT STYLE="white-space:nowrap">non-Canadians</FONT> 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., <FONT STYLE="white-space:nowrap">non-Canadian)</FONT> <FONT STYLE="white-space:nowrap">non-business</FONT> 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 <FONT STYLE="white-space:nowrap">non-U.S.</FONT> 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: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'>
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 <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:6pt; 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, 2017, 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, 2012 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">


<IMG SRC="g318033dsp25.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>04/01/2012</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>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>03/31/2017</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">$</TD>
<TD VALIGN="bottom" ALIGN="right">100.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">111.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">119.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">106.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">81.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">158.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">157.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">191.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">155.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">157.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">197.75</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"><B><U>Purchases of Equity Securities by the Issuer and Affiliated Purchasers </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Unregistered Sales of Equity Securities
</U></B></P> <P STYLE="margin-top:6pt; 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">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><A NAME="tx318033_10"></A>Item&nbsp;6. Selected Financial Data </B></P>
<P STYLE="margin-top:6pt; 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, 2017, 2016, 2015, 2014,
and 2013. The selected consolidated financial data have been derived from our consolidated financial statements. 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 and, for the fiscal years ended March&nbsp;31, 2014 and 2013 and as of
March&nbsp;31, 2015, 2014 and 2013, that are included in our annual reports for such fiscal years. Quarterly results of operations are incorporated herein by reference to <I>Note 12 &#150; Quarterly Results of Operations (Unaudited)</I> in the notes
to the consolidated financial statements 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">


<TR>
<TD WIDTH="65%"></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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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>
<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></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;&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;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>90,466</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">90,707</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">86,790</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82,110</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;&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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>9,222</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">9,007</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>37,177</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">26,278</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,392</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>21,437</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">22,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,326</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>(222</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">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">364</TD>
<TD NOWRAP VALIGN="bottom">&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>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>14,112</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">12,980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,509</TD>
<TD NOWRAP VALIGN="bottom">&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;</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;&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;</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="page-break-inside:avoid ; 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>81,726</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">70,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,624</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;&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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>8,740</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">20,105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,486</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>3,331</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">7,726</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,545</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;&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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>5,409</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,941</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;&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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>.70</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.66</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;&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;</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="page-break-inside:avoid ; 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>7,664</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">7,622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,977</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;&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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>.69</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.63</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;&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;</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="page-break-inside:avoid ; 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>7,726</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">7,692</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,218</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;&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;</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="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="65%"></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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>333,612</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">325,309</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">302,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">283,430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">263,835</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>317,205</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">311,837</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">288,904</TD>
<TD NOWRAP VALIGN="bottom">&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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">249,826</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>213,000</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">211,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">199,000</TD>
<TD NOWRAP VALIGN="bottom">&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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>108,860</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">102,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,888</TD>
<TD NOWRAP VALIGN="bottom">&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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>1.64</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">3.94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>5.11</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">12.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>26.04</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">27.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Pre-tax</FONT> yield (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2.46</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">6.02</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">9.65</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>9.92</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">5.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Write-off</FONT> to liquidation (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11.81</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">9.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 <FONT STYLE="white-space:nowrap">charge-off</FONT> percentage (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9.37</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">7.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>179,617</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">196,853</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">187,893</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">179,031</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">160,078</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>7.08</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">7.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>22.40</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">22.81</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>65</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">67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&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>
</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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">See the definitions set forth in the notes to the Portfolio Summary table under &#147;<I>Item 7. Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&#151;Overview.&#148; </I>
</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">23 </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><A NAME="tx318033_11"></A>Item&nbsp;7. Management&#146;s Discussion and Analysis of Financial Condition and
Results of Operations </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Overview </U></B></P> <P STYLE="margin-top:6pt; 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 the fiscal year ended March&nbsp;31,
2015, and 100% of the Company&#146;s consolidated revenue for the fiscal years ended March&nbsp;31, 2017 and 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 an 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Introduction </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s consolidated
revenues decreased from $90.7&nbsp;million for the fiscal year ended March&nbsp;31, 2016 to $90.5&nbsp;million for the fiscal year ended March&nbsp;31, 2017. Consolidated revenues for the fiscal year ended March&nbsp;31, 2015 were
$86.8&nbsp;million. The Company&#146;s diluted earnings per share decreased for the fiscal year ended March&nbsp;31, 2017 to $0.69 as compared to $1.59 for the fiscal year ended March&nbsp;31, 2016. Diluted earnings per share for the fiscal year
ended March&nbsp;31, 2015 were $1.38. The per share diluted net earnings for the fiscal year ended March&nbsp;31, 2017 and 2016, were positively impacted when compared to fiscal 2015 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, 2017 decreased to $8.7&nbsp;million as compared to $20.1&nbsp;million and
$26.1&nbsp;million for the fiscal years ended March&nbsp;31, 2016 and 2015, respectively. The decrease from $20.1&nbsp;million to $8.7&nbsp;million was a result of an increase in the provision for credit losses due to higher charge-offs and <FONT
STYLE="white-space:nowrap">past-due</FONT> accounts along with a reduction in the gross portfolio yield. The Company&#146;s consolidated net income for the fiscal years ended March&nbsp;31, 2017, 2016, and 2015 were $5.4&nbsp;million,
$12.4&nbsp;million and $16.9&nbsp;million, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company believes that an extremely competitive market has been the primary driver for weaker
results during the past two fiscal years, eventually leading to a net loss of $(1.1) million during the final quarter in the 2017 fiscal year. The Company&#146;s operating results have deteriorated as a result of several factors, including, but not
limited to, lower auction proceeds, the acquisition of Contracts that contained some degree of fraudulent information that at the time of Contract acquisition was not identified, and an increase in the number of Contracts and Direct Loans under
which customers decided to discontinue payments to us after they were approved by other lenders for new vehicle financing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition, aggressive
competition has forced the Company to purchase lower credit quality Contracts. Historically, the Company was able to expand its automobile finance business in the <FONT STYLE="white-space:nowrap">non-prime</FONT> credit market by offering to
purchase Contracts on terms that are competitive with those of other companies. However, it has become increasingly difficult for the Company to match or exceed pricing of its competitors, which has resulted in declining Contract acquisition rates
during the 2016 and 2017 fiscal years. The Company expects this trend to continue in the foreseeable future. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company continues to experience
decreasing yields associated with Contract acquisition, which is directly correlated to the level of competition. If competing companies continue to reduce their contract acquisition yields as part of their operating strategy, the market, and the
Company, will continue to experience reduced yields. 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, 2017, 2016, and 2015 were 22.44%, 22.73%, and 22.93%, respectively. The average dealer discounts as a percent of gross
finance receivables associated with new volume for the fiscal years ended March&nbsp;31, 2017, 2016, and 2015 were 7.08%, 7.51%, and 8.08%, respectively. Furthermore, the Company expects the trend of declining auction proceeds to continue for the
foreseeable future. Decreased auction proceeds resulting from sales of used automobiles at depressed prices can put downward pressure on its margins. </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>


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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>347,367</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">334,754</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">309,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average indebtedness (2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>210,987</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">208,214</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">133,434</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>90,466</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">90,707</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">86,785</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,222</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,007</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,970</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>81,244</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">81,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80,815</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 (3)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>26.04</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">27.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>2.65</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">2.69</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>10.70</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">7.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 (3)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12.69</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">16.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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, and administrative expenses 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>10.23</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">10.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Pre-tax</FONT> yield as a percentage of average finance
receivables, net of unearned interest (4)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2.46</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">6.02</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></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Write-off</FONT> to liquidation (5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11.81</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">9.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 <FONT STYLE="white-space:nowrap">charge-off</FONT> percentage (6)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9.37</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">7.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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></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 style = "page-break-inside:avoid">
<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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Average indebtedness represents the average outstanding borrowings under the Line. </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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</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 (a)&nbsp;interest and fee income
on finance receivables minus (b)&nbsp;interest expense minus (c)&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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="white-space:nowrap">Pre-tax</FONT> yield represents net portfolio yield minus administrative expenses (marketing, salaries, employee benefits, depreciation, and administrative), 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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="white-space:nowrap">Write-off</FONT> to liquidation percentage is defined as net charge-offs divided by liquidation. Liquidation is defined as beginning receivable balance plus current period purchases and
originations 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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top">Net <FONT STYLE="white-space:nowrap">charge-off</FONT> 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: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>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Critical Accounting Policy </U></B></P>
<P STYLE="margin-top:6pt; 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. </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 a provision for credit losses based
on management&#146;s evaluation of the risk inherent in the loan portfolio which includes the competitive environment that existed when the loan was acquired, the composition of the portfolio, 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:12pt; 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. The
Company analyzes each consolidated static pool at specific points in time. A consolidated static pool consists of all branches for the same fiscal quarter.&nbsp;In analyzing a static pool, the Company considers the performance of prior static pools
originated by the same branch office, the competition at time of acquisition, 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">The Company has been maintaining historical <FONT STYLE="white-space:nowrap">write-off</FONT> information for over 10 years
with respect to every consolidated static pool, segregating each static pool by liquidation and in effect creating snapshots of a pool&#146;s <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">write-off-to</FONT></FONT> liquidation
ratio at five different points in such pool&#146;s liquidation cycle. These snapshots help the Company in determining the appropriate provision for credit losses and subsequent allowance for credit losses.&nbsp;The five snapshots are taken when the
liquidation levels are at 20%, 40%, 60%, 80% and 100%. </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 <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Contract-by-Contract</FONT></FONT> 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 most 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. The Company does not anticipate any portfolio acquisitions in the near-term. </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 provide
reasonable assurance that the Contracts that the Company purchases have common risk characteristics. The Company utilizes its District Managers to evaluate their respective branch locations for adherence to these underwriting guidelines, as well as
approve underwriting exceptions. The Company also utilizes IA to assure adherence to its underwriting guidelines. Any Contract that does not meet our underwriting guidelines can be submitted by a branch manager for approval from the Company&#146;s
District Managers or senior management. </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 refined the allowance for loan losses by changing it to a loan by loan
analysis, which more </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">closely depicts the amount of the provision expense needed to maintain an adequate reserve. As of March&nbsp;31, 2017, the Company
further refined the reserve for losses by increasing the allowance for loan losses by 50% of the principal balance, with respect to accounts whose contractual delinquency falls into the range of <FONT STYLE="white-space:nowrap">120-180</FONT> days
past due.&nbsp;Currently, management evaluates each Contract on an independent basis each quarter and accounts for such Contract&#146;s term, how far along the corresponding loan is in its liquidation cycle, late charges, the number of deferments,
and delinquency. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Fiscal 2017 Compared to Fiscal 2016 </U></B></P>
<P STYLE="margin-top:6pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest
income on finance receivables, predominantly finance charge income, decreased slightly to $90.5&nbsp;million in fiscal 2017 as compared to $90.7&nbsp;million in fiscal 2016. The average finance receivables, net of unearned interest, totaled
$347.4&nbsp;million for the fiscal year ended March&nbsp;31, 2017, an increase of 4% from $334.8&nbsp;million for the fiscal year ended March&nbsp;31, 2016. While our purchasing volume has slowed, mainly as a result of a highly competitive market
place, our finance receivables continued growing in our more recently entered markets, including our three newer states (see &#147;Item 1. Business&#151;Contract Procurement&#148;). Increases in our average term and average loan amount have
contributed to the increase in finance receivables. </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'>
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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">The gross portfolio yield decreased to 26.04% for the fiscal year ended March&nbsp;31, 2017 as compared to 27.10%
for the fiscal year ended March&nbsp;31,2016. The gross portfolio yield decreased primarily due to the decrease in the average dealer discount and in the average weighted APR, intensified by the increase in average finance receivables, net of
unearned interest, particularly as a result of an increase in <FONT STYLE="white-space:nowrap">past-due</FONT> accounts. The net portfolio yield decreased to 12.69% for the fiscal year ended March&nbsp;31, 2017 from 16.56% for the fiscal year ended
March&nbsp;31,2016. The net portfolio yield decreased due to a decrease in the gross portfolio yield and an increase in the provision for credit losses, as described under &#147;Analysis of Credit Losses&#148;. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Marketing, Salaries and Employee Benefits, Depreciation, and Administrative Expenses </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Marketing, salaries and employee benefits, depreciation, and administrative expenses remained relatively flat at $35.5&nbsp;million for the fiscal year ended
March&nbsp;31, 2017 compared to $35.3&nbsp;million for the fiscal year ended March&nbsp;31, 2016. The Company opened one new branch location during the fiscal year ended March&nbsp;31, 2017, and consolidated three branch locations into branches
previously established within their market. Marketing, salaries, employee benefits, depreciation, and administrative expenses as a percentage of average finance receivables, net of unearned interest, decreased to 10.23% for the fiscal year ended
March&nbsp;31, 2017 from 10.54% for the fiscal year ended March&nbsp;31, 2016. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest Expense </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest expense increased to $9.2&nbsp;million for the fiscal year ended March&nbsp;31, 2017 as compared to $9.0&nbsp;million for the fiscal year ended
March&nbsp;31, 2016. The average outstanding debt as of March&nbsp;31, 2017 and March&nbsp;31, 2016 was $211.0&nbsp;million and $208.2&nbsp;million, respectively. 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="page-break-inside:avoid ; 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>2017</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>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>0.70</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">0.37</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>0.09</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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>3.58</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">3.80</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>4.37</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">4.33</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">LIBOR rates have increased (.98% as of March&nbsp;31, 2017 compared to .44% as of March&nbsp;31, 2016) which caused a decrease
in expense related to our interest rate swap agreements. The increase in LIBOR rates has also caused the credit spread to decrease and the variable interest to increase, but has no net effect on total cost because there is a 1.0% floor on the line
of credit. In addition, the Company entered into a temporary agreement on December&nbsp;30, 2016 that increased the effective interest rate by 50 basis points through June&nbsp;30, 2017. For further discussions regarding interest rates see
<I>&#147;Note 5 &#150; Line of Credit&#148;.</I> </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Analysis of Credit Losses </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of March&nbsp;31, 2017, the Company had approximately 1,400 active static pools. The average pool upon inception consisted of 62 Contracts with aggregate
finance receivables, net of unearned interest, of approximately $708,000. </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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,265</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>36,843</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">25,926</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(34,419</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">(27,963</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>2,196</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">2,977</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>16,885</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,265</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></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">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">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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>748</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>334</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">352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(338</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">(328</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>29</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</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>773</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">748</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></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 $37.2&nbsp;million for the fiscal year ended March&nbsp;31, 2017 from
$26.3&nbsp;million for the fiscal year ended March&nbsp;31, 2016, largely due to net charge-offs increasing to 9.37% for the fiscal year ended March&nbsp;31, 2017 from 7.56% for the fiscal year ended March&nbsp;31, 2016. 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 by changing it to a loan by loan
analysis, which more closely depicts the amount of the allowance for credit losses needed to maintain an adequate reserve. During the fourth quarter of the fiscal year ended March&nbsp;31, 2017, the Company further refined the reserve for losses by
increasing the allowance by 50% of the principal balance, with respect to accounts whose contractual delinquency falls into the range of <FONT STYLE="white-space:nowrap">120-180</FONT> days past due. The Company believes that these improvements
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:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s losses as a percentage of liquidation (see note 5 in the Portfolio Summary table in the <I>&#147;Introduction&#148;</I> above for the
definition of <FONT STYLE="white-space:nowrap">write-off</FONT> to liquidation) increased to 11.81% for the fiscal year ended March&nbsp;31, 2017 as compared to 9.10% for the fiscal year ended March&nbsp;31, 2016. This increase was the result of
several factors, including, but not limited to, lower auction proceeds, the acquisition of Contracts that contained some degree of fraudulent information, that at the time of Contract acquisition was not identified, and an increase in the number of
Contracts and Direct Loans under which customers decided to discontinue payments to us after they were approved by other lenders for new vehicle financing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition, aggressive competition has forced the Company to purchase lower credit quality Contracts. The Company also experienced a decrease in auction
prices from fiscal year 2017 to fiscal year 2016. Decreased auction proceeds from repossessed vehicles increased the amount of write-offs which, in turn, increased the <FONT STYLE="white-space:nowrap">write-off</FONT> to liquidation percentage.
During the fiscal years ended March&nbsp;31, 2017 and 2016, auction proceeds from the sale of repossessed vehicles averaged approximately 37% and 42%, 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 6.40% and 10.59% for the fiscal years ended March&nbsp;31, 2017 and 2016, respectively. The
Company attributes a large portion of this decrease simply to the increase in charge-offs; historically, there is a six to twelve-month cooling off period prior to receiving any benefits from post <FONT STYLE="white-space:nowrap">charge-off</FONT>
collection activity. We currently remain in a cycle in which credit is more easily available credit to our typical customer, which leads many of our customers to be less disciplined about their credit record, including the payment schedule on their
Contracts and Direct Loans. Periodically, the Company will aggregate <FONT STYLE="white-space:nowrap">charge-off</FONT> accounts it deems uncollectible, and sell them to a third-party. </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;2017 was 10.05%,
an increase from 5.57% as of March&nbsp;31, 2016. The delinquency percentage for Direct Loans more than thirty days past due, excluding Chapter 13 bankruptcy accounts, as of March&nbsp;31, 2017 was 3.89%, an increase from 2.19% as of March&nbsp;31,
2016. The increase in delinquency percentage for both Contracts and Direct Loans was driven by the Company&#146;s continued portfolio weakness, exacerbated by greater than anticipated difficulties in implementing the centralized collection model,
after the Company moved all loan-servicing operations from branch locations to a centralized location within its corporate headquarters in Clearwater. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">During the month of November 2016, the Company began soliciting collection assistance from selective branches within its branch network. The Company
experienced modest improvement in collections and lower delinquencies and as such broadened its assistance requests to additional branches during the quarter ended December&nbsp;31, 2016. As of the date of this report, the Company has moved a
majority of its servicing and collection activity back to its branch network for all but six branches.&nbsp;The remaining few branches serviced at the corporate office maintain low delinquencies and write offs. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition to the challenges experienced with respect to the changes to its collection model, the Company has continued to see a significant number of
competitors with aggressive underwriting in its operating market. See <I>&#147;Note 3&#151;Finance Receivables&#148; </I>for changes in allowance for credit losses, credit quality and delinquencies. </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">The Company considers the following factors to assist in determining the appropriate loss reserve levels:
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 <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">pool-by-pool</FONT></FONT> basis during each reporting period. The longer-term outlook for portfolio performance will depend on
overall economic conditions, the rational or irrational behavior of the Company&#146;s competitors, and the Company&#146;s ability to monitor, manage and implement its underwriting and collections 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, <FONT
STYLE="white-space:nowrap">one-month</FONT> principal payment deferrals on Contracts and Direct Loans. For the fiscal years ended March&nbsp;31, 2017 and March&nbsp;31, 2016 the Company granted deferrals to approximately 34.77% and 22.65%,
respectively, of total Contracts and Direct Loans. The increase in the number of deferrals for the fiscal year ended 2017 is a result of portfolio weakness which was exacerbated by the effect of the Company&#146;s unsuccessful attempt at
centralizing collections described above. The Company is reasonably certain that its delinquency rates would be higher without the increase in deferrals. The number of deferrals is influenced by portfolio performance, including but not limited to,
inflation, credit quality of loans purchased, competition at the time of Contract acquisition, and general economic conditions. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Income Taxes </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provision for income taxes decreased to approximately $3.3&nbsp;million in fiscal 2017 from approximately $7.7&nbsp;million in fiscal 2016. The
Company&#146;s effective tax rate decreased to 38.11% in fiscal 2017 from 38.43% in fiscal 2016. </P> <P STYLE="margin-top:18pt; 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:6pt; 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:6pt; 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&nbsp;million in fiscal 2016 from $86.8&nbsp;million in fiscal 2015. The average finance receivables, net of unearned interest, totaled $334.8&nbsp;million
for the fiscal year ended March&nbsp;31, 2016, an increase of 8% from $310.0&nbsp;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 <I>&#147;Item 1. Business&#151;Contract Procurement&#148;</I>. The gross finance receivable balance increased 9% to $498.1&nbsp;million for the fiscal year ended
March&nbsp;31, 2016 from $458.0&nbsp;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
<I>&#147;Analysis of Credit Losses&#148;</I> and <I>&#147;Interest Expense&#148;</I> below). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Marketing, Salaries and Employee Benefits, Depreciation,
and Administrative Expenses </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Marketing, salaries and employee benefits, depreciation, and administrative expenses increased to $35.3&nbsp;million for
the fiscal year ended March&nbsp;31, 2016 compared to $34.0&nbsp;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, and administrative 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">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"><B>Interest Expense </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Interest expense increased to $9.0&nbsp;million for the fiscal year ended March&nbsp;31, 2016 as compared to $6.0&nbsp;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&nbsp;million and $133.4&nbsp;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="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 <I>&#147;&#151; Liquidity and Capital Resources&#148;</I> below and <I>&#147;Note 5&#151;Line of Credit&#148;</I> 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&nbsp;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 <I>&#147;Note 6&#151;Interest Rate Swap Agreements</I>&#148; to our audited consolidated financial statements included
elsewhere in this Report. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Analysis of Credit Losses </B></P>
<P STYLE="margin-top:6pt; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11,325</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,265</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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">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">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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>703</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">590</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>748</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">703</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></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&nbsp;million for the fiscal year ended March&nbsp;31, 2016 from
$20.4&nbsp;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:12pt; 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 <FONT STYLE="white-space:nowrap">write-off</FONT> 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 however, we have generally experienced declining auction proceeds for approximately the past five years. </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 <FONT STYLE="white-space:nowrap">past-due</FONT> 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 <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">pool-by-pool</FONT></FONT> 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, <FONT
STYLE="white-space:nowrap">one-month</FONT> 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: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"><B>Income Taxes </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provision for income taxes decreased to approximately $7.7&nbsp;million in fiscal 2016 from approximately $9.2&nbsp;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&nbsp;million of <FONT STYLE="white-space:nowrap">non-deductible</FONT> expenses associated with the potential sale of
the Company in 2014. Since the sale of the Company was not consummated, the $2.1&nbsp;million became deductible in 2015 creating a favorable effective tax rate. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Liquidity and Capital Resources </U></B></P> <P STYLE="margin-top:6pt; 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="page-break-inside:avoid ; 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,<BR>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>27,321</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24,492</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(28,703</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">(34,991</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25,238</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>2,388</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">11,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 increase (decrease) in cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,006</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,539</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">753</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 made certain reclassifications to the 2016 and 2015 statements of cash flows. The amortization of deferred
revenues decreased cash flows from operating activities by $1.7&nbsp;million and $1.3&nbsp;million for 2016 and 2015 respectively, and correspondingly increased cash flows from investing activities. Net income and shareholders&#146; equity was not
changed. </P> <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, 2017 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&nbsp;million under the Line. Prior to December&nbsp;30, 2016, borrowings under the Line were under various LIBOR pricing options plus 300 basis points with a 1% floor on LIBOR. Effective December&nbsp;30, 2016 the
Company entered into an amendment to adjust its availability calculation which temporarily increased pricing of the Line to 350 basis points above 30 day LIBOR with a 1% floor on LIBOR through June&nbsp;30, 2017. As of March&nbsp;31, 2017, the
amount outstanding under the Line was $213.0&nbsp;million. The exact amount that the Company may borrow under the Line at any given time is determined in accordance with the Second Amended and Restated Loan and Security Agreement, as subsequently
amended. </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. The
availability of funds under the Line generally depends on availability calculations as defined in the corresponding credit agreement. In addition, our 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. See <I>&#147;Risk Factors&#151;The terms of our indebtedness impose significant restrictions on us.&#148;</I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company believes that borrowings available under the Line as well as cash flow from operations will be sufficient to meet its funding needs for at least
the next twelve months. However, since the borrowings available under the Line are calculated every month based on individual loan criteria as defined in the credit agreement, no assurances can be given that the Company will maintain sufficient
availability in the long term. The Line requires compliance with certain debt covenants including financial ratios, asset quality and other performance tests. The Company is in compliance with all of its debt covenants as of March&nbsp;31, 2017.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As disclosed in Note 3 to the financial statements, the quality of the Company&#146;s loan portfolio has been deteriorating, which has resulted in an
increase in <FONT STYLE="white-space:nowrap">non-performing</FONT> loans, increased delinquencies and other factors, which in turn has resulted in increased net charge-offs and an increase in the provision for credit losses. These conditions have
resulted in a reduction in net earnings and have affected our borrowing capacity under the line of credit facility. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s operating results
over recent quarters provided indicators that the Company may not be able to continue to comply with certain of the required financial ratios, covenants and financials tests prior to the maturity date of the line of credit facility in the absence of
an amendment to the corresponding credit agreement. Failure to meet any financial ratios, covenants or financial tests could result in an event of default under our line of credit facility. If an event of default occurs under the credit facility,
our lenders could increase our borrowing costs, restrict our ability to obtain additional borrowings under the facility, accelerate all amounts outstanding under the facility, or enforce their interest against collateral pledged under the facility.
</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>


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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">The Company is in the process of providing information to the agent bank in the loan consortium, in the ordinary
course of business as well as making changes in our policies and procedures which we believe will be successful in addressing some of the issues related to loan quality. We are also developing information pertaining to our expected borrowing needs,
including proposed covenants, determination of lending levels and availability and other considerations to be submitted to the agent bank to assist in addressing the renewal of credit upon expiration of the Line in January 2018. The Company has a
longstanding relationship with its lenders. While management believes that it will be able to obtain a renewal or extension of the credit facility, there are no assurances that the lenders will approve the renewal or extension, or, assuming that
they will approve it, that the facility will not be on terms less favorable than the current agreement. In the event that the Company obtains information that the existing lenders do not intend to extend the relationship, the Company will seek
alternative financing. The Company believes it is probable that it will be able to obtain financing from either its existing lenders or from other sources; however, it can provide no assurances that it will be successful in replacing the line of
credit facility on reasonable terms or at all. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Impact of Inflation </U></B></P>
<P STYLE="margin-top:6pt; 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Contractual Obligations </U></B></P>
<P STYLE="margin-top:6pt; 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, 2017. </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="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>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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<BR>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,411</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">75</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">213,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">213,000</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>
<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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">7,899</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,899</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>
<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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">225,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">222,922</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></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: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 style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">The Company&#146;s Line matures on January&nbsp;30, 2018. Effective December&nbsp;30, 2016, the Company entered into a temporary amendment that increases the effective interest rate by 50 basis points through
June&nbsp;30, 2017. Interest on outstanding borrowings under the Line as of March&nbsp;31, 2017, is based on an effective interest rate of 4.45% which includes the estimated effect of the interest rate swap agreements settlements and the temporary
amendment through the maturity date. The effective interest rate used in the above table does not contemplate the possibility of entering into interest rate swap agreements in the future. </TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_12"></A>Item&nbsp;7A. Quantitative and Qualitative Disclosures About Market Risk </B></P>
<P STYLE="margin-top:6pt; 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Interest Rate Risk </U></B></P>
<P STYLE="margin-top:6pt; 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. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of March&nbsp;31, 2017, $163.0&nbsp;million, or approximately 76.5% of our total debt, was subject to floating interest rates; however, due to a 1% floor on
such interest rates, 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 (which would result in the variable rates being
1.98% as of March&nbsp;31, 2017) applicable to this floating rate debt would result in an annual <FONT STYLE="white-space:nowrap">after-tax</FONT> increase of interest expense of approximately $979,000. </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">33 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_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 <FONT STYLE="white-space:nowrap">35-55)</FONT> </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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="#tx318033_25">Report of Independent Registered Public Accounting Firm </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="#tx318033_26">Consolidated Balance Sheets </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="#tx318033_27">Consolidated Statements of Income </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="#tx318033_28">Consolidated Statements of Shareholders&#146; Equity </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="#tx318033_29">Consolidated Statements of Cash Flows </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="#tx318033_30">Notes to Consolidated Financial Statements </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</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">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"><B><A NAME="tx318033_25"></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, 2017 and 2016 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, 2017. 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, 2017 and 2016 and the results of its operations and its cash flows for each of the years in the three-year period ended March&nbsp;31, 2017, 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, 2017, 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, 2017 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, 2017 </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" 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="tx318033_26"></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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,855</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>317,205</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">311,837</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>2,453</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">2,148</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>674</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">977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>719</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">593</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>1,184</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">1,290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>17</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>8,505</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">6,615</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>333,612</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">325,309</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>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>213,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">211,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>1,851</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">1,499</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>5,932</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">5,839</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>3,969</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">3,917</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">205</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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>224,752</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">222,460</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 STYLE="page-break-inside:avoid ; 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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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; 12,524 and 12,466 shares issued respectively;
7,810 and 7,753 shares outstanding, respectively</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>33,889</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">33,287</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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">(70,459</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>145,430</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">140,021</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>108,860</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">102,849</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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>333,612</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">325,309</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"><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">36 </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="tx318033_27"></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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>90,466</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">90,707</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">86,790</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="5" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>1,440</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">1,497</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>21,437</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">22,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>12,180</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">11,025</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,226</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>37,177</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">26,278</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>492</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">458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>9,222</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">9,007</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>(222</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">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">364</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;&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="page-break-inside:avoid ; 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>81,726</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">70,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>8,740</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">20,105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>3,331</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">7,726</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>5,409</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="5" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>.70</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>.69</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;&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"><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">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" 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="tx318033_28"></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>
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<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="page-break-inside:avoid ; 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;&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="page-break-inside:avoid ; 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;&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31,152</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</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">$</TD>
<TD VALIGN="bottom" ALIGN="right">110,786</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">141,938</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">389</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;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;&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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">32,655</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(70,409</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127,642</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">89,888</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">12,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85</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;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">38</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>
<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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&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">(38</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;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(38</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">11</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;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">574</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;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">574</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&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">(50</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;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">33,287</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(70,459</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">102,849</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>5,409</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,409</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>9</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 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;&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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>48</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>
<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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(66</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;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(66</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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;</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;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>11</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>607</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;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>607</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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, 2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,810</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>33,889</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(70,459</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>145,430</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>108,860</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: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;&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"><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">38 </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="tx318033_29"></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="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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,409</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; 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>492</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">458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(17</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">(24</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impairment loss on property and equipment Impairment loss on property and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>350</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 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="page-break-inside:avoid ; 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>37,177</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">26,278</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(13,112</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">(13,811</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 commission for products</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(1,754</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">(1,662</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,266</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(1,956</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">(292</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>607</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">574</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(222</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">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>328</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">192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>93</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">(2,002</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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/payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(126</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">(480</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">981</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>52</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">774</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">815</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>27,321</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">22,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,492</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(157,708</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">(173,027</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>130,029</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">139,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140,018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(305</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">(401</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(51</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(772</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">(913</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(443</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>53</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">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(28,703</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">(34,991</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25,238</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>2,000</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">12,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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) in drafts payable</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;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(977</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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">(25</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(318</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>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">85</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>2,388</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">11,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,499</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 increase (decrease) in cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,006</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">(1,539</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>1,849</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">3,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,635</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>2,855</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,388</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(66</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(38</TD>
<TD NOWRAP VALIGN="bottom">)&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></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:12pt; 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">39 </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">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="tx318033_30"></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:6pt; 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. 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2. Summary of Significant Accounting Policies </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Consolidation </B></P> <P STYLE="margin-top:6pt; 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Tender Offer </B></P> <P STYLE="margin-top:6pt; 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&nbsp;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 NFI 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Use
of Estimates </B></P> <P STYLE="margin-top:6pt; 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. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Finance Receivables </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Finance receivables are recorded at
cost, net of unearned interest, unearned dealer discounts (see &#147;Revenue Recognition&#148;) and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&nbsp;31, 2017 and
March&nbsp;31, 2016 are approximately $195.5 and $186.3&nbsp;million, respectively (See Note 3). </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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<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>Allowance for Credit Losses </B></P>
<P STYLE="margin-top:6pt; 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 and are considered smaller-balance homogenous loans. The Company
analyzes each consolidated static pool at specific points in time to estimate losses that are probable of being incurred as of the reporting date.&nbsp;It has maintained historical <FONT STYLE="white-space:nowrap">write-off</FONT> information for
over 10 years with respect to every consolidated static pool and segregates each static pool by liquidation which creates snapshots or buckets of each pool&#146;s historical
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">write-off-to</FONT></FONT> liquidation ratio at five different points in each vintage pool&#146;s liquidation cycle. These snapshots are then used to assist in determining the
allowance for credit losses.&nbsp;The five snapshots are tracked at liquidation levels of 20%, 40%, 60%, 80% and 100%. These snapshots help us in determining the appropriate allowance for credit losses. </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 refined the allowance for credit losses by changing it to a loan by loan analysis, which more closely depicts the
amount of the allowance for credit losses needed to maintain an adequate reserve. As of March&nbsp;31, 2017, the Company further refined the reserve for losses by increasing the allowance by 50% of the principal balance, with respect to accounts
whose contractual delinquency falls into the range of <FONT STYLE="white-space:nowrap">120-180</FONT> days past due as a result of further delinquencies that occurred subsequent to altering our <FONT STYLE="white-space:nowrap">charge-off</FONT>
policy (see Note 3).</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Assets Held for Resale </B></P>
<P STYLE="margin-top:6pt; 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Property and Equipment </B></P> <P STYLE="margin-top:6pt; 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="68%" 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="23%"></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Drafts Payable </B></P> <P STYLE="margin-top:6pt; 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: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>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>Income Taxes </B></P>
<P STYLE="margin-top:6pt; 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:12pt; 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,
2017. </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 fiscal years before 2014. The Company does not believe there will be any material changes in its unrecognized tax positions over the next 12 months. There were no unrecognized tax positions as of March&nbsp;31,
2017. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Revenue Recognition </B></P> <P STYLE="margin-top:6pt; 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 61 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, 2017, 2016, and 2015 was
7.08%, 7.51% and 8.08%, 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, involuntary unemployment 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: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>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:6pt; 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. Earnings per share is
calculated using the <FONT STYLE="white-space:nowrap">two-class</FONT> method, as such awards are more dilutive under this method than the treasury stock 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="100%" 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="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="page-break-inside:avoid ; 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,<BR>(In&nbsp;thousands,&nbsp;except&nbsp;earnings&nbsp;per<BR>share numbers)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,409</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(70</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">(170</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>5,339</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">12,209</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,339</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,209</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>7,766</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">7,727</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(102</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">(105</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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>7,664</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">7,622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,013</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>.70</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.40</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>5,339</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,209</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 <FONT STYLE="white-space:nowrap">re-allocated</FONT> to participating
securities</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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Numerator for diluted earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5,339</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,211</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>7,664</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">7,622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>62</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</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">179</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>7,726</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">7,692</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,192</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>.69</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</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>
</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, 161,000, and 155,000 stock options were not included in the computation of diluted earnings per share for the years ended March&nbsp;31, 2017, 2016 and 2015 respectively, because their effect would have been anti-dilutive.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Share-Based Payments </B></P> <P STYLE="margin-top:6pt; 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), net of estimated forfeitures. 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The fair value of <FONT STYLE="white-space:nowrap">non-vested</FONT> restricted shares and performance units are measured at the market price of a share on a
grant date. Restricted shares have a three-year service period. Performance units include a performance period (generally ending at the end of the fiscal year in which the units were granted) followed by a
<FONT STYLE="white-space:nowrap">two-year</FONT> service period. At the end of the performance period, these units effectively become restricted shares for the remaining <FONT STYLE="white-space:nowrap">two-year</FONT> service period at which time
they become vested. </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'>
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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 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Fair Value Measurements </B></P>
<P STYLE="margin-top:6pt; 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&nbsp;1, defined as observable inputs such as quoted prices in active markets; Level&nbsp;2, defined as inputs other than quoted
prices in active markets that are either directly or indirectly observable; and Level&nbsp;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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Financial Instruments and Concentrations </B></P> <P STYLE="margin-top:6pt; 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), a 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, 2017, the Company operated in eighteen states through sixty-five branch locations.
Florida represented 28% of the finance receivables total as of March&nbsp;31, 2017. Ohio represented 13%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&nbsp;31, 2017. 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest Rate Swap Agreements </B></P>
<P STYLE="margin-top:6pt; 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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Statements of Cash Flows </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Cash paid for income taxes for
the years ended March&nbsp;31, 2017, 2016 and 2015 was approximately $5.4&nbsp;million, $8.5&nbsp;million and $7.3&nbsp;million respectively. Cash paid for interest, including debt origination costs for the years ended March&nbsp;31, 2017, 2016 and
2015 was approximately $9.1&nbsp;million, $8.8&nbsp;million and $6.1&nbsp;million respectively. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Reclassifications </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company made certain reclassifications to the 2016 and 2015 statements of cash flows. The amortization of deferred revenues decreased cash flows from
operating activities by $1.7&nbsp;million and $1.3&nbsp;million for 2016 and 2015 respectively and correspondingly increased cash flows from investing activities. Net income and shareholders&#146; equity was not changed. </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">44 </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"><B>Recent Accounting Pronouncements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In August 2016, the Financial Accounting Standards Board (&#147;FASB&#148;) issued the Accounting Standards Update (&#147;ASU&#148;) <FONT
STYLE="white-space:nowrap">2016-15</FONT> Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payment. The new guidance focuses on making the Statement of Cash Flows more uniform for companies. The amendments in
this Update are effective for public business entities for fiscal years beginning after December&nbsp;15, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. The Company is
currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is in the process of analyzing its current presentation of the Consolidated Statements of Cash Flows. At this time, the Company does not
believe ASU <FONT STYLE="white-space:nowrap">2016-15</FONT> will have a material impact. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In June 2016, the FASB issued the ASU <FONT
STYLE="white-space:nowrap">2016-13</FONT> Financial Instruments&#151;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. Among other things, the amendments in this ASU require the measurement of all expected credit
losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">forecasts.
Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those
techniques will change to reflect the full amount of expected credit losses. The ASU also requires additional disclosures related to estimates and judgments used to measure all expected credit losses.&nbsp;The new guidance is effective for fiscal
years, and interim periods within those fiscal years, beginning after December&nbsp;15, 2019. Early application will be permitted for all organizations for fiscal years, and interim periods within those fiscal years, beginning after
December&nbsp;15, 2018. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is collecting and analyzing data that will be needed to produce historical inputs into any models
created as a result of adopting this ASU. At this time, we believe the adoption of this ASU will likely have a material adverse effect on our consolidated Financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In March 2016, the FASB issued the ASU <FONT STYLE="white-space:nowrap">2016-09,</FONT> &#147;Compensation&#151;Stock Compensation (Topic 718): Improvements
to Employee Share-Based Payment Accounting,&#148; which is intended to simplify several aspects of the accounting for share- </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">based payment transactions,
including the income tax consequences, classification of awards as either equity or liabilities, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and classification on the statement of cash flows. For
public entities, ASU <FONT STYLE="white-space:nowrap">2016-09</FONT> is effective for annual periods </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">beginning after December&nbsp;15, 2016, including
interim periods within those fiscal years. Early application is permitted. The Company continues to evaluate the impact of the adoption of this ASU on the consolidated financial statements and at this time does not believe there will be a material
impact 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 <FONT STYLE="white-space:nowrap">No.&nbsp;2016-02,</FONT>
&#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 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">manufacturing equipment. &#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 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">from current U.S. GAAP. ASU <FONT STYLE="white-space:nowrap">2016-02</FONT> is effective for annual periods beginning after December&nbsp;15, 2018, including
interim periods within those fiscal years. Early application is permitted. Upon adoption, the Company will add the impact of the full operating lease terms, using the present value of future minimum lease payments to the balance sheet. The Company
will continue to evaluate 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 January 2016, the FASB issued ASU <FONT
STYLE="white-space:nowrap">No.&nbsp;2016-01,</FONT> &#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 to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; 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. While the Company is currently evaluating the impact of the pending adoption of this ASU on the Company&#146;s consolidated
financial statements, the Company does not believe it will have a material impact on the consolidated financial statements. </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">45 </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">In May 2014, the FASB issued ASU <FONT STYLE="white-space:nowrap">No.&nbsp;2014-09,</FONT> &#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 <FONT STYLE="white-space:nowrap">2014-09</FONT> by one year. As a result, ASU <FONT STYLE="white-space:nowrap">2014-09</FONT> 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). Because ASU <FONT
STYLE="white-space:nowrap">2014-09</FONT> does not apply to revenue associated with financial instruments, the Company does not expect the new guidance to have a material impact on the consolidated financial statements. The Company has begun to
scope its general ledger revenue items to identify potential performance obligations and will continue to evaluate the impact of adoption on its consolidated financial statements and disclosures. </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:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3. Finance Receivables </B></P>
<P STYLE="margin-top:6pt; 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 <FONT STYLE="white-space:nowrap">charges-off</FONT> receivables when an individual account has become more than 180 days contractually delinquent. In the event of repossession, the <FONT STYLE="white-space:nowrap">charge-off</FONT> will
occur in the month in which the vehicle was repossessed. </P> <P STYLE="margin-top:12pt; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>502,050</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">487,118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">447,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(158,541</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">(152,911</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>343,509</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">334,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(17,004</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">(18,023</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>326,505</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">316,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(16,885</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">(12,265</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>309,620</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">303,919</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">281,042</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 terms of the Contracts range from 12 to 72 months and bear a weighted average contractual interest rate of 22.37% and
22.67% as of March&nbsp;31, 2017 and 2016, 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,265</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,325</TD>
<TD NOWRAP VALIGN="bottom">&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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>36,843</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">25,926</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(34,419</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">(27,963</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>2,196</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">2,977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>16,885</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,265</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,325</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: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>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 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, 2017, the average model year of vehicles collateralizing the portfolio was a 2009 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, competition, 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:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Direct Loans are loans originated directly between the Company and the consumer. 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: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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10,670</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,012</TD>
<TD NOWRAP VALIGN="bottom">&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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(2,312</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">(2,346</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>8,358</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">8,666</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(773</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">(748</TD>
<TD NOWRAP VALIGN="bottom">)&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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>7,585</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,862</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 terms of the Direct Loans range from 12 to 72 months and bear a weighted average contractual interest rate of 25.62% and
25.72% as of March&nbsp;31, 2017 and 2016, 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 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>748</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">590</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>334</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">352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(338</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">(328</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>29</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</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>773</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">748</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">703</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">Direct Loans are typically for amounts ranging from $1,000 to $11,000 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 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, 2017, 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. We define an automobile contract as delinquent when more than 25% of a payment contractually due by a certain date has not been paid by the immediately following due date, which date may have been extended within limits specified in the
servicing agreements or as a result of a deferral. The period of delinquency is based on the number of days payments are contractually past due, as extended where applicable. </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">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>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">In certain circumstances, we will grant obligors <FONT STYLE="white-space:nowrap">one-month</FONT> payment
extensions. The only modification of terms in those circumstances is to advance the obligor&#146;s next due date by one month and extend the maturity date of the receivable. There are no other concessions, such as a reduction in interest rate,
forgiveness of principal or of accrued interest. Accordingly, we consider such extensions to be insignificant delays in payments rather than troubled debt restructurings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A <FONT STYLE="white-space:nowrap">non-performing</FONT> 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. As of September&nbsp;1, 2016, when an account is 180 days contractually delinquent, the account is written off. This change aligns the Company&#146;s <FONT
STYLE="white-space:nowrap">charge-off</FONT> policy with practices within the subprime auto financing segment. Prior to September 2016, accounts that were 120 days contractually delinquent were written off. See &#147;<I>Item 7 &#150;
Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations</I>&#148; for more details. Upon notification of a bankruptcy, an account is monitored for collection with other Chapter 13 bankruptcy accounts. In the event
the debtors&#146; 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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: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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>473,446</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10,406</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">473,429</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,899</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-performing</FONT> accounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>24,585</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>222</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">9,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>498,031</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10,628</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">482,864</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,978</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>4,019</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>42</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">4,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>502,050</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10,670</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">487,118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,012</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></TR>
</TABLE> <P STYLE="margin-top:12pt; 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 on a gross basis which includes unearned interest, 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="63%"></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>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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;<BR>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;<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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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, 2017</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>498,031</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>25,450</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,388</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>12,197</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>50,035</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>5.11</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2.49</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2.45</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10.05</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">482,864</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,466</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,069</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">3.61</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.26</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.70</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.57</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">443,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,330</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,459</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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 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="page-break-inside:avoid ; 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;<BR>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;<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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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, 2017</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10,628</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>191</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>67</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>155</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>413</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<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"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1.80</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>0.63</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>1.46</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>3.89</B></TD>
<TD NOWRAP VALIGN="bottom"><B>%&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,978</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">161</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.37</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.19</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,912</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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>
</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">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>4. Property and Equipment </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Property and equipment as of March&nbsp;31, 2017 and 2016 is 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="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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>2017</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>712</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>459</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>253</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>1,476</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>851</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>625</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>546</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>427</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>119</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>1,194</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,007</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>187</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,928</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,744</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,184</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: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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">$</TD>
<TD VALIGN="bottom" ALIGN="right">623</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">413</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">210</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">1,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">809</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">512</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">1,144</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167</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="page-break-inside:avoid ; 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">3,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,462</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,290</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">During the first quarter of fiscal year 2017 the Company began the process of implementing a new loan operating system and
capitalized approximately $350,000 related to the project. During the fiscal year, the Company concluded that the asset was not recoverable due to the project not progressing and the expectation that the costs incurred will not be recovered. As a
result, during the fourth quarter, the Company recorded an impairment charge of $350,000 which is classified as administrative expenses in the consolidated statement of income. </P>
<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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company has a line of credit
facility (the &#147;Line&#148;) up to $225.0&nbsp;million, which matures on January&nbsp;30, 2018.&nbsp;Prior to December&nbsp;30, 2016 the pricing on the Line was 300 basis points above 30 day LIBOR with a 1% floor on LIBOR.&nbsp;Effective
December&nbsp;30, 2016, the Company executed an amendment to this existing Line which provided temporary adjustments to the calculation of availability and increased the pricing of the Line to 350 basis points above 30 day LIBOR while maintaining
the 1% floor on LIBOR (4.50% at March&nbsp;31, 2017 and 4.00% at March&nbsp;31, 2016). The amendment provides for a temporary adjustment to the calculation of the availability under the credit facility effective as of December&nbsp;30, 2016 and will
be in place through June&nbsp;30, 2017. In connection with such adjustment, an additional event of default was added to the credit facility that would be triggered if the sum of the percentages of accounts that were more than thirty days past due,
accounts that were charged off, and the value of repossessed vehicles held as assets exceeds a specified monthly threshold. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pledged as collateral for
this Line are all the assets of the Company.&nbsp;The facility requires compliance with certain financial ratios and covenants and satisfaction of specified financial tests, including maintenance of asset quality and performance tests. As of
March&nbsp;31, 2017, 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">As disclosed in Note 3, the quality of the Company&#146;s loan portfolio has
been deteriorating, which has resulted in an increase in <FONT STYLE="white-space:nowrap">non-performing</FONT> loans, increased delinquencies and other factors, which in turn has resulted in increased net charge-offs and an increase in the
provision for credit losses. These conditions have resulted in a reduction in net earnings and have affected our borrowing capacity under the line of credit facility. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company&#146;s operating results over recent quarters provided indicators that the Company may not be able to continue to comply with certain of the
required financial ratios, covenants and financial tests prior to the maturity date of the line of credit facility in the absence of an amendment to the corresponding credit agreement. Failure to meet any financial ratios, covenants or financial
tests could result in an event of default under our line of credit facility. If an event of default occurs under the credit facility, our lenders could increase our borrowing costs, restrict our ability to obtain additional borrowings under the
facility, accelerate all amounts outstanding under the facility, or enforce their interest against collateral pledged under the facility. </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">49 </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 Company is in the process of providing information to the agent bank in the loan consortium, in the
ordinary course of business as well as making changes in our policies and procedures which we believe will be successful in addressing some of the issues related to loan quality. We are also developing information pertaining to our expected
borrowing needs, including proposed covenants, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">determination of lending levels and availability and other considerations to be submitted to the agent bank
to assist in addressing the renewal of credit upon expiration of the Line in January 2018. The Company has a longstanding relationship with its lenders. While management believes that it will be able to obtain a renewal or extension of the credit
facility, there are no assurances that the lenders will approve the renewal or extension, or, assuming that they will approve it, that the facility will not be on terms less favorable than the current agreement. In the event that the Company obtains
information that the existing lenders do not intend to extend the relationship, the Company will seek alternative financing. The Company believes it is probable that it will be able to obtain financing from either its existing lenders or from other
sources; however, it can provide no assurances that it will be successful in replacing the line of credit facility on reasonable terms or at all. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>6.
Interest Rate Swap Agreements </B></P> <P STYLE="margin-top:6pt; 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, 2017 and 2016, 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 <FONT STYLE="white-space:nowrap">1-month</FONT> LIBOR rate.
This interest rate swap agreement has an effective date of June&nbsp;13, 2012 and a notional amount of $25.0&nbsp;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 <FONT STYLE="white-space:nowrap">1-month</FONT> LIBOR rate. This interest rate swap agreement has an effective date of August&nbsp;13, 2012 and a notional amount of $25.0&nbsp;million. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The locations and amounts of gains (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="83%"></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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>222</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(24</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(179</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">(343</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain (loss) recognized in income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>43</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(367</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 gains (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="page-break-inside:avoid ; 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>2017</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>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>0.58</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">0.26</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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: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>


<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 </B></P>
<P STYLE="margin-top:6pt; 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:6pt; 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&nbsp;2. </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="74%"></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="page-break-inside:avoid ; 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<BR>(In thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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, 2017 &#150; asset:</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>17</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>17</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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, 2016 &#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">(205</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">(205</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"><U>Financial Instruments Not Measured at Fair Value </U></P>
<P STYLE="margin-top:6pt; 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The initial terms of the Contracts range from 12 to 72 months. The initial terms of the Direct Loans range from 12 to 72 months. 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, 2017 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="page-break-inside:avoid ; 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&nbsp;Value&nbsp;Measurement&nbsp;Using<BR>(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="page-break-inside:avoid ; 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>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Carrying<BR>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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, 2017</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,855</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>$</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 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>2,855</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,855</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</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">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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, 2017</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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>317,205</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>317,205</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>317,205</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</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">311,837</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">311,837</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">311,837</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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, 2017</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>213,000</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>213,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>213,000</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</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">$</TD>
<TD VALIGN="bottom" ALIGN="right">211,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</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">$</TD>
<TD VALIGN="bottom" ALIGN="right">211,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">211,000</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"><U>Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis </U></P>
<P STYLE="margin-top:6pt; 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, 2017 and 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>


<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 </B></P>
<P STYLE="margin-top:6pt; 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: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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,563</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,964</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,688</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>724</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">1,054</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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="page-break-inside:avoid ; 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>5,287</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">8,018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(1,688</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">(254</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">308</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(268</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">(38</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>(1,956</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">(292</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">356</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>3,331</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,726</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,240</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 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,742</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>487</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">491</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>(6</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">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>282</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">128</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,505</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,615</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></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="77%"></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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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>2017</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>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,059</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,037</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; 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</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>297</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">660</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">809</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;&nbsp;&nbsp;</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 VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(734</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; 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>(25</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">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>3,331</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,726</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,240</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 effective tax rate decreased to 38.11% in fiscal 2017 from 38.43% in fiscal 2016. The effective rate was
35.41% in fiscal 2015. The Company had approximately $2.1&nbsp;million of previously <FONT STYLE="white-space:nowrap">non-deductible</FONT> expenses associated with the potential sale of the Company in 2014. Since the sale of the Company was not
consummated, the $2.1&nbsp;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">52 </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 </B></P>
<P STYLE="margin-top:6pt; 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
generally 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 <FONT STYLE="white-space:nowrap">non-employee</FONT>
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, restricted stock units, performance shares, performance units, 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. Vesting of performance units generally does not commence until 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
its obligations under the Equity Plans. Cash dividends, if any, are not paid on unvested performance units or unexercised options, but are paid on unvested restricted stock awards. </P>
<P STYLE="margin-top:12pt; 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="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="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.58</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;years</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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:12pt; 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, 2017. </P>
<P STYLE="margin-top:12pt; 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, 2017, 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" NOWRAP ALIGN="center"><B>(Shares&nbsp;and&nbsp;Aggregate&nbsp;Intrinsic&nbsp;Value&nbsp;in&nbsp;thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.36</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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, 2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">663</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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, 2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">244</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">663</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></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company did not grant options during the year ended March&nbsp;31, 2017. The total intrinsic value of options exercised
during the years ended March&nbsp;31, 2017, 2016 and 2015 was approximately $46,500, $82,000, and $1,829,000 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, 2017, approximately 9,000 options were exercised at exercise prices ranging from $1.20 to $8.21 per share. During the same period, approximately 15,000 options were forfeited at exercise prices ranging from $11.44 to $12.97 per share.
</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">53 </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">Cash received from options exercised during the fiscal years ended March&nbsp;31, 2017, 2016 and 2015 totaled
approximately $50,000, $85,000, and $389,000, respectively. As of March&nbsp;31, 2017, there was approximately $137,500 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 <FONT STYLE="white-space:nowrap">non-vested</FONT>
restricted shares under the Equity Plan as of March&nbsp;31, 2017, 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="100%" 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>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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&nbsp;and&nbsp;Aggregate&nbsp;Intrinsic&nbsp;Value&nbsp;in&nbsp;thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-vested</FONT> at March&nbsp;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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.78</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 BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">(40</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</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;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-vested</FONT> at March&nbsp;31, 2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">952</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;&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 awarded approximately 48,000 restricted shares during the fiscal year ended March&nbsp;31, 2017. The Company
granted performance units which, if the employees had reached the maximum performance level, would have awarded approximately 18,000 restricted share awards. Included within the 48,000 restricted shares granted are approximately 10,000 shares that
resulted from the Company meeting a performance threshold, which is noted in the Executive Compensation Plan. 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, 2017, there was approximately $645,000 of total unrecognized compensation cost related to
<FONT STYLE="white-space:nowrap">non-vested</FONT> restricted share awards granted under the Equity Plans. That cost is expected to be recognized over a weighted-average period of approximately 1.80 years. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>10. Employee Benefit Plan </B></P> <P STYLE="margin-top:6pt; 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 <FONT STYLE="white-space:nowrap">re-evaluate</FONT> the Company&#146;s matching policy for plan year 2018 later in 2017. For the fiscal years ended March&nbsp;31, 2017, 2016 and 2015, the Company recorded expenses of approximately $7,000
each year related to this plan. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11. Commitments and Contingencies </B></P>
<P STYLE="margin-top:6pt; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,557</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2020</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">756</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2021</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,411</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></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, 2017, 2016, and 2015 was approximately $2.4, $2.3, and
$2.1&nbsp;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: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>


<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>11. Commitments and Contingencies (continued) </B></P>
<P STYLE="margin-top:6pt; 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:18pt; 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="100%" 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="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="page-break-inside:avoid ; 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, 2017<BR>(In&nbsp;thousands,&nbsp;except&nbsp;earnings&nbsp;per&nbsp;share&nbsp;amounts)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,915</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,647</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,044</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>22,860</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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>2,244</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,243</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,258</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,477</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>7,026</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,144</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,796</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>13,211</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-interest</FONT> expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,939</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>9,102</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,403</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>8,883</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>4,706</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>3,158</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,587</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(1,711</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>1,803</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,188</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>981</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(641</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;&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,903</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,970</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,606</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(1,070</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: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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.37</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.25</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.21</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(0.14</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: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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <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>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.37</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.25</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>0.21</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(0.14</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: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-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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<BR>(In&nbsp;thousands,&nbsp;except&nbsp;earnings&nbsp;per&nbsp;share&nbsp;amounts)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,025</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,687</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,757</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23,238</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">2,166</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,273</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>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,257</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">4,989</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,599</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-interest</FONT> expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,915</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,422</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,040</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">5,955</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,297</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,425</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,428</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">2,285</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,041</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,698</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,702</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></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,670</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,727</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,726</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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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="page-break-inside:avoid ; 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">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.35</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></TR>
<TR STYLE="page-break-inside:avoid ; 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">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.35</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></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">55 </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="tx318033_14"></A>Item&nbsp;9. Changes In and Disagreements with Accountants on Accounting and
Financial Disclosure </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_15"></A>Item&nbsp;9A. Controls and Procedures </B></P>
<P STYLE="margin-top:6pt; 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:6pt; 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 <FONT STYLE="white-space:nowrap">13a-15(e)</FONT> under the Exchange Act) as of March&nbsp;31, 2017. 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, 2017. </P> <P STYLE="margin-top:18pt; 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:6pt; 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 <FONT STYLE="white-space:nowrap">13a-15(f)</FONT> 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, 2017, 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, 2017. </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, 2017, as stated in their report, which is included below. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June&nbsp;14, 2017 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="88%" 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="3%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Ralph T. Finkenbrink</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Katie L. MacGillivary</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">President and Chief Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="white-space:nowrap">Vice&nbsp;President-Finance&nbsp;and&nbsp;Chief&nbsp;Financial&nbsp;Officer</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; 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:6pt; 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">56 </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,
2017, 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, 2017, 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, 2017, and our report dated June&nbsp;14, 2017, 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, 2017 </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">57 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_16"></A>Item&nbsp;9B. Other Information </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx318033_17"></A>PART III
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_18"></A>Item&nbsp;10. Directors, Executive Officers and Corporate Governance </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information to be set forth under the captions &#147;<I>Proposal 1: Election of Directors</I>,&#148; &#147;<I>Board of Directors</I>,&#148;
&#147;<I>Executive Officers and Compensation</I>&#148; and &#147;<I>Section</I><I></I><I>&nbsp;16(a) Beneficial Ownership Reporting Compliance</I>&#148; in the definitive Proxy Statement and Information Circular for the 2017 Annual General Meeting
of Shareholders of the Company (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. A copy of the code of ethics is 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 <FONT STYLE="white-space:nowrap">8-K</FONT> 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="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_19"></A>Item&nbsp;11. Executive Compensation, Compensation Interlocks and Insider Participation </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information to be set forth under the captions &#147;<I>Executive Officers and Compensation</I>&#148; and &#147;<I>Board of Directors</I>&#148; in the
Proxy Statement is incorporated herein by reference. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_20"></A>Item&nbsp;12. Security Ownership of Certain Beneficial Owners and
Management and Related Stockholder Matters </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Securities Authorized for Issuance under Equity Compensation Plans </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table sets forth certain information, as of March&nbsp;31, 2017, with respect to compensation plans under which equity securities of the Company
were authorized for issuance: </P> <P STYLE="margin-top:24pt; 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></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="46%"></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;</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;</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;</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&nbsp;in&nbsp;Column&nbsp;(a))</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(a)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(b)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(c)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">654</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">None</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">Not&nbsp;Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">None</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<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;</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="page-break-inside:avoid ; 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;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">654</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<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;</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 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. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_21"></A>Item&nbsp;13. Certain Relationships and Related Transactions,
Director Independence and Board of Directors </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information to be set forth under the captions &#147;<I>Board of Directors</I>&#148; and
&#147;<I>Certain Relationships and Related Transactions</I>&#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">58 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_22"></A>Item&nbsp;14. Principal Accountant Fees and Services </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information to be set forth under the caption &#147;<I>Ratification of Appointment of Independent Auditors</I>&#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">59 </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="tx318033_23"></A>PART IV </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx318033_24"></A>Item&nbsp;15. Exhibits and Financial Statement Schedules </B></P>
<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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">See Part II, Item&nbsp;8, of this Report. </P>
<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 style = "page-break-inside:avoid">
<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="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">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. </P> <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 style = "page-break-inside:avoid">
<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="5%"></TD>
<TD WIDTH="90%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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" 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>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&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="page-break-inside:avoid ; 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&nbsp;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="page-break-inside:avoid ; 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.&nbsp;1, dated as of September&nbsp;1, 2011, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; 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.&nbsp;2, dated as of December&nbsp;21, 2012, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; 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.&nbsp;3, dated as of November&nbsp;14, 2014, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; 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.&nbsp;4, dated as of January&nbsp;30, 2015, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; 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">Amendment No.&nbsp;5, dated as of December&nbsp;30, 2016, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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 (9)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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. Employee Stock Option Plan (10)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">Nicholas Financial, Inc. <FONT STYLE="white-space:nowrap">Non-Employee</FONT> Director Stock Option Plan (11)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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&nbsp;2, 2015, between Nicholas Financial, Inc. and Ralph T. Finkenbrink, President and Chief Executive Officer (12) *</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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 (as Amended and Restated), dated July&nbsp;2, 2015, between Nicholas Financial, Inc. and Kevin D. Bates, Senior Vice President-Branch Operations (13)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">Employment Agreement dated July&nbsp;2, 2015, between Nicholas Financial, Inc. and Katie L. MacGillivary, Chief Financial Officer and Vice President of Finance (14)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">Summary of Fiscal 2016/2017/2018 Annual Incentive Programs*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">Nicholas Financial, Inc. 2015 Omnibus Incentive Plan (15)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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 Stock Option Award (16)*</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">60 </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>


<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="page-break-inside:avoid ; 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 Restricted Stock Award (17)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">Form of Nicholas Financial, Inc. 2015 Omnibus Incentive Plan Performance Share Award (18)*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">ISDA Master Agreement, dated as of March&nbsp;30, 1999, between Bank of America, N.A. and Nicholas Financial, Inc.&nbsp;(19)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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;4, 2012, and effective June&nbsp;13, 2012, by and between Nicholas Financial, Inc. and Bank of America, N.A. relating to interest-rate swap transaction (20)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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">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 (21)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;10.20</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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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. (22)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 <FONT
STYLE="white-space:nowrap">No.&nbsp;0-26680).</FONT> </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 <FONT STYLE="white-space:nowrap">S-8</FONT> filed with the SEC on May&nbsp;24, 2007 (SEC File
<FONT STYLE="white-space:nowrap">No.&nbsp;0-26680).</FONT> </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 <FONT STYLE="white-space:nowrap">10-KSB</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 <FONT STYLE="white-space:nowrap">10-Q/A</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 <FONT STYLE="white-space:nowrap">10-Q</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 <FONT STYLE="white-space:nowrap">10-K</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 <FONT STYLE="white-space:nowrap">8-K,</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 Form <FONT STYLE="white-space:nowrap">10-Q</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.1 to the Company&#146;s Current Report on Form <FONT STYLE="white-space:nowrap">8-K,</FONT> dated January&nbsp;11, 2017, as filed with the SEC on January&nbsp;11, 2017.
</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 style = "page-break-inside:avoid">
<TD WIDTH="5%" 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 <FONT STYLE="white-space:nowrap">S-8</FONT> filed with the SEC on June&nbsp;30, 1999 (SEC File
<FONT STYLE="white-space:nowrap">No.&nbsp;333-81967).</FONT> </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(11)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 4 to the Company&#146;s Registration Statement on Form <FONT STYLE="white-space:nowrap">S-8</FONT> filed with the SEC on June&nbsp;30, 1999 (SEC File
<FONT STYLE="white-space:nowrap">No.&nbsp;333-81961).</FONT> </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(12)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.8 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended March&nbsp;31, 2016, as filed with the SEC on June&nbsp;14,
2016. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(13)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.9 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended March&nbsp;31, 2016, as filed with the SEC on June&nbsp;14,
2016. </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">61 </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>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(14)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.10 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended March&nbsp;31, 2016, as filed with the SEC on June&nbsp;14,
2016. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(15)</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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(16)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.13 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended March&nbsp;31, 2016, as filed with the SEC on June&nbsp;14,
2016. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(17)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.14 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended March&nbsp;31, 2016, as filed with the SEC on June&nbsp;14,
2016. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(18)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.15 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended March&nbsp;31, 2016, as filed with the SEC on June&nbsp;14,
2016. </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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(19)</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 <FONT STYLE="white-space:nowrap">S-2</FONT> (Reg.
<FONT STYLE="white-space:nowrap">No.&nbsp;333-113215),</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(20)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.15 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(21)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 10.16 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> 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 style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(22)</TD>
<TD ALIGN="left" VALIGN="top">Incorporated by reference to Exhibit 21 to the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-KSB</FONT> 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:24pt; 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>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="45%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Dated: June&nbsp;14, 2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Ralph T. Finkenbrink</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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">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 <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorneys-in-fact</FONT></FONT> 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 <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorneys-in-fact</FONT></FONT> 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
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> 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>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="15%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<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>Signature</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>Title</B></P></TD>
<TD VALIGN="bottom">&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>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="page-break-inside:avoid ; 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">Chief Executive Officer, President and Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">June&nbsp;14, 2017</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="page-break-inside:avoid ; 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">Chief Financial Officer, Vice President &#150; Finance</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">June&nbsp;14, 2017</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="page-break-inside:avoid ; 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">Sr. Vice President-Branch Operations and Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">June&nbsp;14, 2017</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="page-break-inside:avoid ; 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/ Todd Pfister</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Todd Pfister</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">June&nbsp;14, 2017</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="page-break-inside:avoid ; 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">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">June&nbsp;14, 2017</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="page-break-inside:avoid ; 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">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">June&nbsp;14, 2017</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">62 </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:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">63 </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>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">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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" 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>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No.&nbsp;1, dated as of September&nbsp;1, 2011, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No.&nbsp;2, dated as of December&nbsp;21, 2012, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No.&nbsp;3, dated as of November&nbsp;14, 2014, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No.&nbsp;4, dated as of January&nbsp;30, 2015, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.6</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No.&nbsp;5, dated as of December&nbsp;30, 2016, to Second Amended and Restated Loan and Security Agreement, dated as of January&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.7</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.8</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nicholas Financial, Inc. <FONT STYLE="white-space:nowrap">Non-Employee</FONT> Director Stock Option Plan*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.9</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement (as Amended and Restated), dated July&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.10</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement, (as Amended and Restated), dated July&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.11</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement, dated July&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.12</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Summary of Fiscal 2016/2017/2018 Annual Incentive Bonus Programs</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.13</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.14</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.15</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.16</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.17</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">ISDA Master Agreement, dated as of March&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.18</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Letter Agreement, dated June&nbsp;4, 2012, and effective June&nbsp;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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.19</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Letter Agreement, dated July&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*</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.20</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Dixon Hughes Goodman LLP</TD></TR>
</TABLE>

<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>


<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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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="page-break-inside:avoid ; 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 style = "page-break-inside:avoid">
<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-10.12
<SEQUENCE>2
<FILENAME>d318033dex1012.htm
<DESCRIPTION>SUMMARY OF FISCAL ANNUAL INCENTIVE PROGRAMS
<TEXT>
<HTML><HEAD>
<TITLE>Summary of Fiscal Annual Incentive 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 10.12 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FISCAL 2016/2017/2018 ANNUAL INCENTIVE BONUS PLAN SUMMARY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; 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, 2018 (&#147;Fiscal 2018&#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, 2017, but they are expected to be
in place by the time of filing the Proxy Statement and Information Statement relating to the 2017 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, 2016 (&#147;Fiscal 2016&#148;) and the fiscal year ended March&nbsp;31, 2017 (&#147;Fiscal 2017&#148;): </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Fiscal 2016
</U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; 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. 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. <B><I> </I></B></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Fiscal 2017 </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; 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 2017 at the discretion of the Compensation Committee of the Company&#146;s Board of Directors. The Compensation Committee chose not to award any discretionary
cash bonuses. <B><I> </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; 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 2017 incentive bonus program noted in the Proxy Statement and Information Statement relating to the 2016 Annual General Meeting of Shareholders:<B><I> </I></B></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="59%"></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="page-break-inside:avoid ; 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:57.00pt; font-size:8pt; font-family:Times New Roman">Executive Officer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Time&nbsp;Vested<BR>Restricted&nbsp;Stock*</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">Performance&nbsp;Unit&nbsp;Restricted<BR>Stock**</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,704</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,367</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,077</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <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 style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">These awards were granted on July&nbsp;12, 2016 and will vest on March&nbsp;31, 2019. </TD></TR></TABLE>

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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">**</TD>
<TD ALIGN="left" VALIGN="top">These awards relate to the measurement period ending March&nbsp;31, 2017, and will vest on March&nbsp;31, 2019. </TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Performance 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 2017 based up on the Performance component of the Executive Compensation Plan noted in the Proxy Statement and Information Statement relating to the 2016 Annual
General Meeting of Shareholders. The executives were awarded performance cash bonuses for Fiscal 2017 of $29,898, $14,422 and $10,816 to Mr.&nbsp;Finkenbrink, Mr.&nbsp;Bates and Ms.&nbsp;MacGillivary, respectively.<B><I> </I></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" ALIGN="center">2 </P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.20
<SEQUENCE>3
<FILENAME>d318033dex1020.htm
<DESCRIPTION>FORM OF DEALER AGREEMENT
<TEXT>
<HTML><HEAD>
<TITLE>Form of Dealer Agreement</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exhibit 10.20 </B></P> <P STYLE="font-size:6pt;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="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="88%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ROWSPAN="2">


<IMG SRC="g318033dsp001.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><B>NICHOLAS FINANCIAL, INC.</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><B><I>Automobile Dealer Retail Agreement</I></B></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; 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:6pt; 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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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 30 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 30 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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>Nicholas Financial, Inc.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Dealer:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
</TABLE>

<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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B></B><U>DEALER NAME</U><B></B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1 STOP MOTORSPORTS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">123 AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">12K&nbsp;&amp; UNDER MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1ST CHOICE CAROLINA CARS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1ST CLASS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1ST PLACE AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">247 AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">27 AUTO SALES INC. OF LEON</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2ND GEAR MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">360 MOTOR CORP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">360 SMART CAR INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4042 MOTORSPORTS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">411 AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5 STAR INDY AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">60 WEST AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">7 CITIES AUTOS AND CYCLES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">816 AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">83 AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9TH AVENUE AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 &amp; D MOTORS SALES CORP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 &amp; D MOTORS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 &amp; M AUTOMOTIVE GROUP INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 &amp; S AUTOSALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 2 Z AUTOS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 CAR LOT INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 LUXURY AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 PLUS CAR SALES&nbsp;&amp; RENTALS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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.R.J.&#146;S AUTO SALES, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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.Z. AUTOMOTIVE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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-1 AUTO&nbsp;&amp; TRUCK SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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-1 AUTO PLEX LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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-1 AUTOMOTIVE GROUP CORP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AAC-ASSISTIVE AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AACC AUTO CAR SALES, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ABBY&#146;S AUTOS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ABC AUTO SALE CORP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ABC AUTO TRADE USA, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACADEMY CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACCESS AUTO INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACCU-CAR EXPO INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACCURATE AUTO GROUP INC</P></TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B></B><U>DEALER NAME</U><B></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACTION AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACTION AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACTION NOW AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACTIVE AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACTIVE AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADAMS AUTO GROUP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADAMS AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADAMSON FORD LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADDISON AUTO GROUP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADVANCE AUTO WHOLESALE, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADVANCED AUTO BROKERS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADVANTAGE USED CARS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADVENTURE AUTO INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADVENTURE SUBARU LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AE UNIVERSAL MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AEG AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AFFORDABLE AUTO MOTORS, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AFFORDABLE AUTO SALES OF</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AFFORDABLE AUTO SALES OF TAMPA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AFFORDABLE USED CARS&nbsp;&amp; TRUCKS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AIR WALK AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AJ&#146;S AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AJ&#146;S AUTO IMPORTS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AK IMPORTS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AL PIEMONTE SUZUKI INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AL PIEMONTE&#146;S ARLINGTON HEIGHT</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 AUTO MALL, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 BETTER CARS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALAN BESCO CARS AND TRUCKS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALB AUTO SALE LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALBANY MITSUBISHI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALBANY QUALITY CARS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALEJANDRO FINANCIAL LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALFA AUTO MALL LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALFA MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL ABOUT AUTO&#146;S INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL AMERICAN AUTO MART</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL AMERICAN AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL AMERICAN CAR COMPANY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL CITY AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL MAKES AUTO SALES INC</P></TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL SEASON AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL SEASONS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL STAR AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALL STAR DODGE CHRYSLER JEEP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALLAN VIGIL FORD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALLEN AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALLIANCE AUTO SALES LTD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALLSTAR MOTORS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALLSTATE LEASING&nbsp;&amp; SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALM MALL OF GEORGIA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALPHA MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALTERNATIVES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMAZING GRACE AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMERICAN AUTO SALES WHOLESALE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMERICAR, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMERIFIRST AUTO CENTER, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMOS AUTOMOTIVE LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMS CARS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMTEX SERVICES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANASTOS MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANDERSON FORD OF ST JOSEPH LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANDERSON MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANDY MOHR BUICK PONTIAC GMC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANDY MOHR CHEVROLET, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANDY MOHR NISSAN, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANDYS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANEW AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANTHONY PONTIAC GMC BUICK INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANY CAR USA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">APPLE FINANCE CO INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">APPROVAL AUTO CREDIT INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">APPROVED AUTOS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AR MOTORSPORTS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARA EXECUTIVE AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARBOGAST BUICK PONTIAC GMC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARC AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARCADIA CREEK AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARCHER AUTOMOTIVE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARENA AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARES FINANCIAL SERVICES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARIA AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARMSTRONG AUTO SALES</P></TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">ART MOEHN CHEVROLET, CO.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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&#146;S USED CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATA TRUCK&nbsp;&amp; AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATCHINSON FORD SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATLANTA BEST USED CARS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATLANTA LUXURY MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATLANTA MOTOR SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATLANTA USED CAR CENTER</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATLANTA USED CARS CENTER, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATLANTA&#146;S BEST AUTO BROKERS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATLANTIC AUTO SOURCE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATLAS AUTOPLEX</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUCTION DIRECT USA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUDIES AUTOWORKZ LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AURORA AUTO CENTER INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO 7 USA LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO ACCEPTANCE CENTER</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO AMERICA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO BANK</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO BANK OF KANSAS CITY INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO BARN ATLANTA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO BAY USA INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO BRIGHT AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO BROKERS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO BY TOM INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CENTER OF GREER LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CENTERS NISSAN INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CENTERS ST CHARLES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CENTRAL SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CHOICE BROKERS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CITY STL / LOT 1</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CLASS DIRECT</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CLUB OF MIAMI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO COUNTRY LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO CREDIT CONNECTION, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO DEALER SOLUTIONS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO DEALS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO DEALS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO DIRECT COLUMBUS OH</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO DIRECT PRE-OWNED</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO ELITE DFW</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO ENTERPRISE CO</P></TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">AUTO EXCHANGE OF CENTRAL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO EXCHANGE OF CENTRAL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO EXCHANGE USA CORP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO EXCHANGE USA, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO EXPO HOUSTON</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO EXPRESS ENTERPRISE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO FIN AUTO 1 2 3 INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO FINDERS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO GROUP OF AMERICA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO HAUS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO HOUSE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO JUNCTION LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO LINE, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO LOAN ASSOCIATES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MAC 2</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MAC CARS&nbsp;&amp; CREDIT</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MALL OF TAMPA INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MART INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MARTT, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MASTERS AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MASTERS OF CLARKSVILLE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MASTERS OF FRANKLIN, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MAX LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO MAXX OF DENVER INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO NATIONS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO NETWORK OF THE TRIAD LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO NETWORK, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO PARK CORPORATION</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO PLACE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO PLAZA INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO PLAZA USA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO PLUS SALES&nbsp;&amp; SERVICE LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO PROFESSION CAR SALES 2</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO PROFESSIONAL CAR SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO QUEST CORPORATION</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO QUEST LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO RITE, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SALES USA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SELECT</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SELECT INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SHOW ENTERPRISES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SIMPLIFY LLC</P></TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">AUTO SMART PINEVILLE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SOLUTIONS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SOLUTIONS MOTOR COMPANY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SOLUTIONS OF GREENSBORO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO SPORT, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO STOP INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO STORE OF GARNER</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO STORE OF GREENVILLE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO TRADEMARK</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO TRUST LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO UNION OF DAYTONA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO UNION OF MIAMI INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO VILLA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO VILLA OUTLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO WEEKLY SPECIALS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO WISE AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO WORLD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO WORLDS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOBAHN CLASSICS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOCENTERS HERCULANEUM</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOCO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTODEALS.ME LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOFLEX LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOHOUSE, US</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOLAND</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO-LAND INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOLINE INDY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOLINK</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMALL 59</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMAX</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMAX ATLANTA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMAX KC LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMAXX OF SUMMERVILLE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMOBILE COMMODITY LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMOTION SALES LLP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMOTIVE CONNECTION INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMOTIVE DOT COM</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOMOTIVE WHOLESALE CENTER</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTONOMICS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTO-ONE USA LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOPLEX</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTORAMA OF SNELLVILLE</P></TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">AUTORAMA PREOWNED CARS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTORV MART</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOS UNLIMITED</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOSHOW SALES AND SERVICE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOSPORTS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOTEAM INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOTEAM OF VALDOSTA LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOTRUCKS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOVATION</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOWAY CAR SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOWISE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOWORLD USA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AUTOWORLD WEST LOOP AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AVERY AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AXELROD PONTIAC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 &amp; M AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 &amp; N AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BAHA AUTO GROUP INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BAKER BUICK GMC CADILLAC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BALLPARK AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BALTIMORE CAR SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BANK AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BARBIES AUTOS CORPORATION</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BAREFOOTS AUTO MART</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BARGAIN AUTO MART INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BARGAIN SPOT CENTER</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BARTOW FORD COMPANY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BARTS CAR STORE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BASELINE AUTO SALES, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BAYSIDE AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BAYSIDE AUTOMALL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEACH AUTO BROKERS, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEACH BUGGYS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEAU TOWNSEND FORD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEAVER VALLEY AUTO MALL LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEHLMANN BUICK GMC CADILLAC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BELAIR ROAD DISCOUNT AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BELL AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BELLAMY AUTOMOTIVE GROUP, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BELLAROMA AUTO GROUP INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BELLS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BELMONTE AUTO IMPORTS</P></TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></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:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">BENING MAZDA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENING MOTOR CO-JACKSON</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENJI AUTO SALES CORP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENSON CADILLAC NISSAN, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENSON FORD MERCURY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENSON NISSAN</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENTLEY HYUNDAI</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">BEREA AUTO MALL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEREA MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BERGER CHEVROLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BERMANS AUTOMOTIVE, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BERT SMITH INTERNATIONAL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST AUTO SELECTION INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST BUY AUTO TRADE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST BUY USED CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST CAR DEALS OF ORLANDO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST CAR FOR LESS</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">BEST CARS KC INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST DEALS CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST DEALS ON WHEELS AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST IMPORT AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST N VALUE AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST OF MICHIGAN AUTO SALES</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">BEST PRICE DEALER INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEST VALUE AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BETTER AUTOMALL OF STUART</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BEXLEY MOTORCAR COMPANY LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BIC MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BIG BLUE AUTOS, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BIG BLUE MOTOR SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BIG BOYS TOYS FLORIDA LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BIG CHOICES AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BIG M CHEVROLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BIG O DODGE OF GREENVILLE, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BILL BLACK CHEVROLET,</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BILL BUCK CHEVROLET, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BILL KAY CHEVROLET GEO INC</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">BILL PENNEY TOYOTA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BILL SNETHKAMP INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BILLS&nbsp;&amp; SON AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BILLY BALLEW MOTOR SPORTS LLC</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">BILLY RAY TAYLOR AUTO SALES</P></TD></TR>
</TABLE> </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>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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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:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">BILTMORE MOTOR CORP.</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">BIRD AUTOS</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">BIRMINGHAM LUXURY MOTORS</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">BIRMINGHAM WHOLESALE AUTO LLC</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">BLACKS AUTO SALES</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">BLAYLOCK AUTOMOTICE GROUP LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BLEECKER CHEVROLET PONTIAC</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">BLEECKER CHRYSLER DODGE JEEP</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">BLOOMINGTON AUTO CENTER</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">BLUE OCEAN AUTO SALES LLC</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">BLUE RIDGE IMPORTS AUTO SALES</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">BLUE RIDGE MAZDA</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">BLUE SPRINGD FORD SALES INC</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">BLUESLADE MOTOR CARS LLC</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">BLVD SELECT PREOWNED</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">BMN INC</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">BOB KING MITSUBISHI</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">BOB MAXEY FORD</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">BOB MAXEY LINCOLN-MERCURY</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">BOB STEELE CHEVROLET INC.</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">BOBB SUZUKI</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">BOBBY LAYMAN CHEVROLET, INC.</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">BOBBY MURRAY TOYOTA</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">BOCA INVESTMENTS LLC</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">BOMMARITO CHEVROLET MAZDA</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">BOMMARITO NISSAN INC</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">BOMMARITO TMC OF ST. LOUIS INC</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">BONIFACE HIERS MAZDA</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">BOOMDOX AUTO GROUP LLC</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">BOOMERS TRUCKS&nbsp;&amp; SUVS LLC</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">BOSAK HONDA</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">BOWER SALES AND SERVICE</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">BOWMAN AUTOMOTIVE INC</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">BRADLEY CHEVROLET, INC.</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">BRAD&#146;S USED CARS</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">BRADY AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BRADYS AUTO SALES LLC</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">BRAMAN HONDA OF PALM BEACH</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">BRAMLETT PONTIAC INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BRANNAN AUTO SALES</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">BRANNON HONDA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BRAXTON AUTOMOTIVE LLC</P></TD></TR></TABLE>
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<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 VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">BRAZIL AUTO MALL INC</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">BRECKENRIDGE MOTORS EAST LLC</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">BRICKELL HONDA BUICK&nbsp;&amp; GMC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BRIGGS KIA</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">BROADMOOR MOTOR SALES INC</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">BROADWAY AUTO MALL</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">BROCKMAN AUTO LLC</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">BROGS AUTO</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">BROMAR LLC</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">BROOKS AUTO SALES</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">BROWN AUTOMOTIVE GROUP LLC</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">BROWNS AUTO WORLD</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">BRUNSWICK AUTO BROKERS INC</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">BRYANT AUTO SALES INC</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">BUCKEYE FORD LINCOLN MERC OF O</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">BUCKEYE FORD MERCURY, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BUCKEYE MOTOR SALES</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">BUCKEYE MOTORS</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">BUCKEYE NISSAN, INC.</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">BUDGET CAR SALES&nbsp;&amp; RENTALS</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">BUDGET MOTORCARS</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">BURDUE QUALITY USED CARS</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">BURKE AUTO LLC</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">BURL&#146;S USED CARS</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">BURNS AUTO MART LLC</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">BURNWORTH ZOLLARS INC</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">BUSH AUTO PLACE</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">BUTLER HYUNDAI INC.</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">BUY IT RIGHT AUTO SALES #1 INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BUY RIGHT AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BYERLY FORD-NISSAN, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BYERS IMPORTS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">C &amp; H DISCOUNT AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">C &amp; S SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">C&amp;H AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">C&amp;W MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">C.W. MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CADILLAC OF NOVI INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CALHOUN AUTO OUTLET, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CALI-HABANA AUTO SALES CORP.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CALVARY CARS&nbsp;&amp; SERVICE, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAMARENA AUTO, INC</P></TD></TR></TABLE>
</DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">CAMPBELL CHEVOFBOWLGREENKYINC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CANCILA MARTY DODGE CHRYSLER J</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CANNON USED CARS, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CANTON USED CARS INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITAL AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITAL AUTO SPORTS CENTER LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITAL AUTOMOTIVE OF</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITAL CITY IMPORTS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITAL MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITAL MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITOL AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITOL AUTO SALES, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITOL CITY FORD, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAPITOL MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR BAZAAR INC OF FRANKLIN</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR BOSS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR CENTRAL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR CHOICE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR CITY USA LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR CLOUD AUTO GROUP, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR COLLECTINO INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR CONNECTION&nbsp;&amp; FINANCE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR CREDIT INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR DEALZ</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR DEPOT</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR DEPOT OF MIRAMAR</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR FACTORY OUTLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR HUNTERS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR LEGENDS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR LINE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR LINE AUTOS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR LOAN DIRECT, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR MART FL.COM</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR MASTERS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR SALES OF FLORIDA INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR SMILE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR SOURCE, LLC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR SPOT OF CENTRAL FLORIDA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR STOP INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR TOWN KIA USA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR WEB</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR XPRESS AUTO SALES</P></TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">CAR ZONE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAR ZONE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARCITY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARDINAL MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARDIRECT LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARENA MOTORS, CO.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAREY PAUL HONDA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARISMA AUTO GROUP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARITE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARITE OF CHESTERFIELD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARITE OF CLEVELAND</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARITE OF KALAMAZOO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARITE, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARLOCK KIA OF TUSCALOOSA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARLYLE MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARMART OF DADE CITY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARMART VA INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARMEL MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARNATION LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAROLINA AUTO EXCHANGE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAROLINA AUTO SPORTS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAROLINA CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAROLINA VOLVO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARPLEX</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARRIAGE KIA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARRICK&#146;S LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARROLLTON MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS&nbsp;&amp; CREDIT OF FLORIDA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS AND MORE EUROPEAN CAR</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS AUTO MALL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS CARS CARS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS GONE WILD II LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS KONNECT INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS PLUS CREDIT LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS PLUS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS PLUS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS R US LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS TO GO AUTO SALES AND</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS UNDER 5</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARS UNLIMITED</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARSO AUTO GROUP CORP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARSTRADA</P></TD></TR></TABLE>
</DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">CARTERSVILLE AUTO LENDING LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARTISTIC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARTROPIX</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARX DEPOT LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARZ4LESS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CARZONE USA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAS SALES&nbsp;&amp; RENTALS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CASCADE AUTO GROUP, LTD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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&nbsp;&amp; DASH AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 CARS 2 LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAST IRON AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CASTLE BUICK GMC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAT JOHNSON AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CAVALIER AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CC MOTORS INCORPORATED</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CD S AUTOMOTIVE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CEDARCREST AUTO BROKERS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CELEBRATION AUTO SALE LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CENTRAL FLORIDA EXPORTS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CENTRAL MOTOR WERKS, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CENTRAL PONTIAC INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CERTIFIED AUTO CENTER</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CERTIFIED AUTO DIRECT INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHAMPION CHEVROLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHAMPION CHEVROLET INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHAMPION CHRYSLER JEEP DODGE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHAMPION OF DECATUR, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHAMPION PREFERRED AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHAMPIONSHIP MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHAMPS AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHARLESTON NISSAN</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHARS CARS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHASE AUTO GROUP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHATHAM PARKWAY TOYOTA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHECKERED FLAG AUTOMOTIVE LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHECKERED FLAG HONDA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHEIFS WHOLESALE AUTOS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHEROKEE AUTO SALES, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHEROKEE HYUNDAI OF KENNESAW L</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHERRY ROAD AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHICAGO AUTO DEPOT INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHICAGO DRIVE AUTO SALES</P></TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">CHICAGO MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHICAGOS CAR CREDIT</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHIEFLAND FORD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHILLICOTHE TRUCKS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHIPINQUE AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHRIS CARROLL AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHRIS LEITH AUTOMOTIVE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHRIS SPEARS PRESTIGE AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHRONIC INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHRYSLER DODGE JEEP RAM OF</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CINCINNATI AUTOMOTIVE GROUP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CINCINNATI USED AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CIRCLE CITY ENTERPRISES, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITY AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITY MITSUBISHI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITY MOTORS USED CARS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITY STAR MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITY STYLE IMPORTS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITY TO CITY AUTO SALES, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITY WIDE AUTO CREDIT</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CITYWIDEAUTOMALL.COM LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CJ AUTOS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CJ&#146;S AUTO STORE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLARK CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLARKSVILLE AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLASSIC AUTO GROUP INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLASSIC AUTOHAUS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLASSIC KIA OF CARROLLTON</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLAY COOLEY TOYOTA OF HAZELWOO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLEAN MOTORS OF ORLANDO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLEVELAND AUTO MALL INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLIFF&nbsp;&amp; SONS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLINT HOLMES AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLINTON FAMILY FORD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLOVER MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CLUTCH AUTO BROKERS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CM MOTORS, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COAL WHOLESALE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COAST TO COAST AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COASTAL AUTO GROUP INC. DBA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COASTAL CHEVROLET, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COBB&#146;S CAR COMPANY INC</P></TD></TR></TABLE>
</DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">COBB&#146;S CAR COMPANY INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COBB&#146;S CHEAP TEEN CARS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COLE FORD LINCOLN LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COLOMBUS AUTO SALES, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COLON AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COLON AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COLUMBIA CHEVROLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COLUMBUS AUTO RESALE, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COLUMBUS CAR TRADER</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMBS&nbsp;&amp; CO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMMONWEALTH AUTO SALES&nbsp;&amp; CO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMMONWEALTH DODGE LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMMUNITY AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMMUNITY OVERDRIVE AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMPASS MOTORS OF ANDERSON</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMPLETE AUTO CENTER INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONCOURS AUTO SALES, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONSUMERS SUZUKI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONTEMPORARY MITSUBISHI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONTINENTAL IMPORTS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONWAY HEATON INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONWAY IMPORTS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COOK&nbsp;&amp; REEVES CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COOPERATIVE AUTO BROKERS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COPELAND MOTOR COMPANY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CORAL WAY AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CORLEW CHEVROLET CADILLAC OLDM</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CORPORATE CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CORPORATE FLEET MANAGEMENT</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUCH MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUGHLIN AUTOMOTIVE- PATASKALA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUGHLIN FORD OF CIRCLEVILLE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUGLIN CHEVROLET BUICK CADILL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUNTRY CLUB TIRE&nbsp;&amp; AUTO INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUNTRY HILL MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUNTRY HILL MOTORS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUNTY MOTOR CO., INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COURTESY AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COURTESY CHRYSLER JEEP DODGE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COURTESY FORD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COUSINS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COX AUTO SALES</P></TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">COX CHEVROLET INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COYLE CHEVROLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CRAIG&nbsp;&amp; LANDRETH INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 CARS USA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CREEKSIDE AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CRENCOR LEASING&nbsp;&amp; SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CRM MOTORS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CRONIC CHEVROLET OLDSMOBILE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CRONIC CHEVROLET, OLDSMOBILE-</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROSS AUTOMOTIVE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROSSROAD MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROSSROADS AUTO MART INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN ACURA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN AUDI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN AUTO SALES&nbsp;&amp; SERVICES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN AUTOMOTIVE GROUP LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN BUICK GMC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN KIA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN MITSUBISHI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN MOTORS OF TALLAHASSEE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CROWN NISSAN</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CRUISER AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CRYSTAL CHEVROLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CULLMAN AUTO MALL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CUNNINGHAM MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CURRY HONDA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CW USED AUTO DEALERSHIP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">D &amp; V AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">D B MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">D MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DADE CITY AUTOMAX</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DALLAS AUTO CENTER INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DALLAS CAR CREDIT CORPORATION</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DALLAS PREOWNED AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAN CUMMINS CHV BUICK PONTIAC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAN HATFIELD AUTO GROUP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAN TUCKER AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DANNY MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAS AUTOHAUS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAVCO AUTO LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAVE SINCLAIR LINCOLN</P></TD></TR></TABLE>
</DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">DAVES JACKSON NISSAN</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAVID RICE AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAVID SMITH AUTOLAND, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAY&#146;S PRE-OWNED ROCKMART LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DAYTON ANDREWS INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEACON JONES AUTO PARK</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEALS FOR WHEELS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEALS FOR WHEELS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEALZ AUTO TRADE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEALZ ON WHEELZ LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEAN CHRYSLER DODGE JEEP RAM</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEAN MITCHELL AUTO MALL</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEAN SELLERS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DECENT RIDE.COM</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEL SOL AUTO MART INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DELTA AUTO WHOLESALE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DELTA TRADE INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DELTA UTOGROUP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DELUCA TOYOTA INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEPUE AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEREK MOTORCAR CO INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DESOTO AUTO EXCHANGE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DESTINYS AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DFW AUTO FINANCE AND SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DFW MOTORCARS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DIAMOND K MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DICK BROOKS HONDA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DICK DEAN ECONOMY CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DICK MASHETER FORD, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DICK SMITH MUTSUBISHI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DICK WICKSTROM CHEVROLET INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 MOTORSPORT LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <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 SALES&nbsp;&amp; LEASING</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISCOUNT AUTO DEPOT, LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISCOUNT CARS OF MARIANNA INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISCOVERY AUTO CENTER LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISTINCT MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DIXIE IMPORT INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DIXIE MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DIXIE WAY AUTO PLAZA, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DIXIE WAY MOTORS INC</P></TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></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">DM MOTORS, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DN MOTOR CARS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DOCTOR WINDSHIELD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DODGE OF ANTIOCH INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DOGWOOD AUTO WORKS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DON FRANKLIN FORD, INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DON HINDS FORD, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DON JACKSON CHRYSLER DODGE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DON REID FORD INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DON SITTS AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DORAL CARS OUTLET</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DORAL LINCOLN LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DOUGLAS AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DOWNTOWN BEDFORD AUTO</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DOWNTOWN HYUNDAI</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVE 1 CAR AND TRUCK LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVE ATLANTA LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVE NATION AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVE NOW AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVE NOW AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVEHUBLER CERTIFIED</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVEN AUTO SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVEN AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVEN AUTOMOTIVE GROUP</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVER SEAT AUTO SALES LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVERIGHT AUTO SALES, INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVERS WORLD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVEWAY MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRIVEWAYCARS.COM</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DRY RIDGE TOYOTA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DUKE AUTOMOTIVE LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DULUTH AUTO EXCHANGE</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DURAN MOTOR SPORTS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DUTCH ISHMAEL CHEVROLET INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DUVAL CARS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DUVAL FORD</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DYNAMIC AUTO WHOLESALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DYNAMIC IMPORTS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DYNAMIC MOTORS LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DYNASTY AUTOMOTIVE LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">E &amp; R AUTO SALES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">E &amp; S MOTORS LLC</P></TD></TR></TABLE>
</DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">E AUTO
SOLUTIONS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">E CAR SUPERSTORE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EAGLE CAR&nbsp;&amp; TRUCK INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EASLEY MITSUBISHI&#146;S THE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EAST ANDERSON AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EAST BEACH AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EAST COAST AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EAST SIDE AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EASTERN SHORE AUTO BROKERS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EASTGATE MOTORCARS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EASTPOINTE AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EASY AUTO AND TRUCK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ECARS GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ECONO AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ECONOMIC AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ECONOMY MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED HOWARD LINCOLN MERCURY INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED KOEHN CHEVROLET INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED KOEHN FORD LINCOLN MERCURY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED MORSE MAZDA LAKELAND</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED NAPLETON ELMHURST IMPORTS I</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED NAPLETON HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED TILLMAN AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED TILLMAN AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED VOYLES HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ED VOYLES HYUNDAI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EDDIE ANDRESON MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EDDIE AUTO BROKERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EDDIE MERCER AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EDDIE PREUITT FORD, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EDEN AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EDGE MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EJ&#146;S AUTO WORLD, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EJ&#146;S QUALITY AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE AUTO SALES OF ORLANDO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE AUTO WHOLESALE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE AUTOMALL LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE CAR SALES AND</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE LEVEL AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE MOTORS</TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">ELITE MOTORS</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELITE MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELYRIA BUDGET AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ELYRIA HYUNDAI, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMJ AUTOMOTIVE REMARKETING</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMPIRE AUTO SALES&nbsp;&amp; SERVICE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMPIRE AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMPIRE EXOTIC MOTORS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMPIRE MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMPORIUM AUTO GROUP, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EMPORIUM AUTO MART</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENCORE MOTORCARS OF SARASOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENON AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENTERPRISE CAR SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENTERPRISE CAR SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENTERPRISE CAR SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENTERPRISE CAR SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENTERPRISE LEASING COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENTERPRISE LEASING COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ENZO MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ERIC JOHNSON AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ERNEST MOTORS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ESSEN MOTOR COMPANY PLUS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ETTLESON HYUNDAI LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EVANS AUTO EXCHANGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EVOLUTION CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EVOLUTION SPORT MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXCEL AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXCLUSIVE AUTO WHOLESALE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXCLUSIVE MOTOR CARS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXECUTIVE CARS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXIT 28 AUTO CENTER LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXOTIC MOTORCARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXPRESS AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXPRESS AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXPRESS AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXPRESS MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXPRESS MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXPRESS MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXTREME WINDOW TINTING SIGNS&nbsp;&amp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EZ CAR CONNECTION LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EZ MOTORS LLC</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">EZ OWN CAR SALES
LC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EZEL AUTO SALES, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FACIDEAL AUTO CENTER INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FAIRLANE FORD SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FAIRVIEW AUTO SALES&nbsp;&amp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FAITH MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FAMILY AUTO CENTER AND SERVICE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FAMILY KIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FANCY AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FANELLIS AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FANTASY AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FAST LANE MOTOR SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FAT SACK MOTORS, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FERCO MOTORS CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FERMAN CHRYSLER PLYMOUTH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FERMAN FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FERMAN MINI OF TAMPA BAY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FERMAN NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIAT OF WINTER HAVEN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FINANCE MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FINISH LINE AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST AUTO CREDIT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST CHANCE MOTORSPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST CHOICE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST CHOICE AUTOMOTIVE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST CLASS AUTO CHOICE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST CLASS AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST CLASS MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST STOP AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIRST UNION AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FISHER AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FITZGERALD MOTORS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIVE STAR AUTO SALES OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIVE STAR CAR&nbsp;&amp; TRUCK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FIVE STAR FORD STONE MOUNTAIN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FL DIAMANTE AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLEET SALES&nbsp;&amp; SERVICE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLEET SERVICES REMARKETING</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLETCHER CHRYSLER PRODUCTS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLORENCE AUTO MART INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLORIDA AUTO EXCHANGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLORIDA AUTO XCHANGE LLC</TD></TR>
</TABLE> </DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">FLORIDA FINE CARS
INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLORIDA LUXURY MOTORS INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLORIDA USED CARS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLORIDA WHOLESALE LIQUIDATORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FLOW HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FOOTHILL FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FORMULA ONE IMPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FORT MYERS AUTO MALL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FORT MYERS BEACH MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FORT WAYNE ACURA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FORT WAYNE AUTO CONNECTION LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FORTUNE MOTOR GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FOX MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FOX VALLEY VOLKSWAGEN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRANK MYERS AUTO SALES, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRANK RISECH&#146;S AUTOWORLD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRANKFORT AUTO EXCHANGE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRANKLIN STREET MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRED A GROVES MOTOR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRED ANDERSON NISSAN OF RALEIG</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FREEDOM AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRENSLEY CHRYSLER PLYMOUTH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRIENDLY KIA&nbsp;&amp; ISUZU</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRITZ ASSOCIATES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRONTIER MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FRONTLINE AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FUSION AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">FUSION AUTOPLEX LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">G &amp; L MOTORS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">G &amp; R AUTO SALES CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">G &amp; S AUTO SALES&nbsp;&amp; RENTALS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GAINESVILLE AUTO KI LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GAINESVILLE MITSUBISHI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GALAXY AUTO CORPORATION</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GANLEY CHEVROLET, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GANLEY CHRYSLER JEEP DODGE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GANLEY FORD WEST, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GANLEY LINCOLN MERCURY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GARNER AUTOS, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GARY HIGGINBOTHAM AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GARY LANG PONTIAC CADILLAC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GARY MATTHEWS MOTORS, INC.</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">GARY SMITH FORD</P></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GASTONIA NISSAN, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GATEWAY AUTO PLAZA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GATEWAY BUICK GMC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GATOR CHRYSLER-PLYMOUTH, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GATOR CITY MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEMINI AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GENE GORMAN&nbsp;&amp; ASSOC. INC. DBA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GENERAL AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GENESIS AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GENESIS OF COTTAGEVILLE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GENESIS OF SUMMERVILLE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GENTHE AUTOMOTIVE-EUREKA LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEN-X CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEOFF ROGERS AUTOPLEX</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEOFF ROGERS AUTOPLEX NORTH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEORGE WEBER CHEVROLET CO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEORGETOWN AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEORGIA AUTO WORLD LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEORGIA CHRYSLER DODGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GEORGIA IMPORT AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GERALDS AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GERMAIN HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GERMAIN HONDA OF DUBLIN, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GERMAIN TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GERMAN AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GETTEL TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GIM CAR SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GINN MOTOR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GISELLE MOTORS, CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GIVE AWAY AUTO SALE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GLADSTONE AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GLOBAL PRE-OWNED INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GLOVER AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GMOTORCARS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GMT AUTO SALES, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GN AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GODFATHER AUTO IMPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GODZILLA MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GOLDEN OLDIES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GOLLING CHRYSLER JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GOOD CARMA MOTORS</TD></TR>
</TABLE>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">GOOD RIDES INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GOOD TO GO AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GORDON MOTOR SPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GR MOTOR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRACE AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRAHAM MOTOR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRAINGER NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRAND MOTORCARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRANT CAR CONCEPTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRANT MOTORS CORP.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRATEFUL MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRAVITY AUTOS ROSWELL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GREAT BRIDGE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GREEN CAR MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GREEN COVE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GREEN COVE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GREEN LIGHT CAR SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GREENBRIER DODGE OF CHES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GREEN&#146;S TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRIFFIN FORD SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GRIMALDI AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GROTE AUTOMOTIVE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GR&#146;S CARS&nbsp;&amp; SPECIALITIES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GS AUTO BROKERS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">G&#146;S AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GUARANTEED CARS&nbsp;&amp; CREDIT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GUARANTEED CARS&nbsp;&amp; CREDIT II</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GUARANTEED MOTOR CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GUIDANCE AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GULF ATLANTIC WHOLESALE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GULF CHRYSLER DODGE JEEP INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GULF COAST AUTO BROKERS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GULF SOUTH AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GWINNETT MITSUBISHI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">GWINNETT PLACE NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">H &amp; H AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">H &amp; H MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">H GREG AUTO AUCTION</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">H&amp;Y AUTOMOBILE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HAGGERTY BUICK GMC INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HAIMS MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HAIMS MOTORS INC</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">HAMILTON CHEVROLET
INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HAPPY DEALS AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HAPPY HYUNDAI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HARBOR AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HARBOR CITY AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HARBOR NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HARDY CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HARDY CHEVROLET INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HARRIET SALLEY AUTO GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HARRIGANS AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HARRISON AUTO BROKER AND</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HATCHER&#146;S AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HATFIELD USED CAR CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HAWK CHEV-CAD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HD CARS INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HEADQUARTER TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HEARTLAND CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HEATH&#146;S EXOTIC CARS AND</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HEB AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HENDERSON AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HENNESSY FORD LINCOLN ATLANTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HENNESSY MAZDA PONTIAC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HERB KINMAN CHEVROLET, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HERITAGE AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HERITAGE BUICK GMC HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HERITAGE CADILLAC-OLDS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HERITAGE NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HERITAGE SALES&nbsp;&amp; LEASING</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HERMANOS AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HERRINGTON AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HI JOLLY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HI LINE IMPORTS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HIGH FIVE CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HIGH Q AUTOMOTIVE CONSULTING</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HIGHESTCASHFORCARS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HIGHLINE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HIGHLINE AUTOMOTIVE SERVICES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HIGHLINE IMPORTS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HILL KELLY DODGE, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HILLMAN MOTORS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HILLTOP MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HILLWOOD AUTO SALES&nbsp;&amp; SERVICE</TD></TR>
</TABLE>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">HI-TECH AUTO SALES,
INC.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOBSON CHEVROLET BUICK GMC LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOLIDAY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOLLAND AUTO SALES&nbsp;&amp; SERVICE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOLLYWOOD MOTOR CO #1</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOLLYWOOD MOTOR CO #3</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOMESTEAD MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOMETOWN AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONDA MARYSVILLE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONDA OF CONYERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONDA OF FISHERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONDA OF FRONTENAC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONDA OF GAINESVILLE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONDA OF MUFREESBORO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONDA OF OCALA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONDA OF TIFFANY SPRINGS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HONEYCUTT&#146;S AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOOVER AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOOVER CHRYSLER PLYMOUTH DODGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOOVER MITSUBISHI CHARLESTON</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOOVER THE MOVER CAR AND</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HORACE G ILDERTON</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOTWHEELZ CUSTOM AUTOS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOUSTON AUTO EMPORIUM</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOUSTON CAR SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOUSTON DIRECT AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOUSTON DIRECT AUTO, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOUSTON MOTOR COLLECTION</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HOWARD AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HT MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HUBLER AUTO PLAZA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HUBLER FINANCE CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HUBLER FORD LINCOLN MERCURY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HUDSON AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HUFFINES CHRYSLER JEEP DODGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HUNT AUTOMOTIVE, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HY-TECH AUTO SALE AND EXPORT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HYUNDAI OF ATHENS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HYUNDAI OF LOUISVILLE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">HYUNDAI OF ST. AUGUSTINE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">I 95 TOYOTA&nbsp;&amp; SCION</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">I GOT A DEAL USED CARS</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">I MOTORS INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">I-80 AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IAUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ICARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IDEAL AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IDEAL AUTO CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IDEAL USED CARS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IDRIVE FINANCIAL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IKONIC MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IMPORT AUTO BROKERS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IMPORT&#146;S LTD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INCREDIBLE CAR CREDIT INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INDY AUTO IMPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INDY AUTO MAN LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INDY MOTORSPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INFINITY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INLINE AUTO SALE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INSTACAR LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTEGRITY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTERMARKETS TRADING</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTERNATIONAL AUTO OUTLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTERNATIONAL AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTERNATIONAL AUTO SALES NC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTERNATIONAL AUTO WHOLESALERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTERNATIONAL AUTO WHOLESALERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTERNATIONAL CARS CO.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">INTERSTATE AUTO SALES OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IRENKO AUTO SALES CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IT&#146;S CAR TIME INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IVORY CHEVROLET, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J &amp; B AUTO GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J &amp; J AUTOS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J &amp; J MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J &amp; M AFFORDABLE AUTO, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J &amp; T MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J AND J&#146;S AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J M MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J&amp;M AUTOMOBILES CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JACK DEMMER FORD, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JACK MAXTON CHEVROLET INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JACK MILLER AUTO PLAZA LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JACK MILLER KIA</TD></TR>
</TABLE>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">JACK STONES CREEKSIDE
SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JACKIE MURPHY&#146;S USED CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JAKE SWEENEY MAZDA WEST</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JAKMAX</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JANSON AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JARRETT GORDON FORD INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JAX AUTO WHOLESALE, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JAY PONTIAC BUICK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JAY WOLFE AUTO OUTLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JAY WOLFE HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JAY&#146;S USED CARS, LLC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JAZCARS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JB AUTO SOURCE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JC AUTO CONNECTION LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JC AUTO MARKET LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JC LEWIS FORD, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JDF AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JDM AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEFF DRENNEN FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEFF SCHMITT AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEFF WYLER CHEVROLET OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEFF WYLER FRANKFORT, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEFF WYLER SPRINGFIELD, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEFFERSON CHEVROLET CO.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEFFREY P. HYDER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEFFREYS AUTO EXCHANGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JENKINS ACURA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JENKINS HONDA OF LEESBURG</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JENKINS MAZDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JENKINS NISSAN, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JENO AUTOPLEX</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JENROC AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JERNIGAN BROTHERS INC #2</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JERRY HAGGERTY CHEVROLET INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JERRY HUNT AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JERRY WILSON&#146;S MOTOR CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JEWEL AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JF MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JIM BURKE NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JIM BUTLER FIAT OF SOUTH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JIM M LADY OLDSMOBILE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JIM ORR AUTO SALES</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">JIMMY KAVADAS YOUR CREDIT
MAN</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JK AUTOMOTIVE GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JK PONTIAC-GMC TRUCK INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JKB AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOBETA AUTOMOTIVE GROUP INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOE COTTON FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOE RICCI AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOE RICCI AUTOMOTIVE&#151;TAYLOR</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN BLEAKLEY FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN HEISTER CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN HINDERER HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN JENKINS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN JONES AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN JONES CHEVY PONTIAC OLDS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN KOOL LINCOLN MERCURY INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN MILES CHEVROLET, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHN WEISS TOYOTA SCION OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHNNY WRIGHT AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOHNNYS MOTOR CARS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JORDAN AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JORDAN AUTOMOTIVE GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOSEPH AIRPORT HYUNDAI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOSEPH CADILLAC/SAAB/SUBARU</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOSEPH CHEVROLET OLDSMOBILE CO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOSEPH MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JOSEPH TOYOTA INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JPL AUTO EMPIRE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JT AUTO INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JUSTICE AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">JUST-IN-TIME AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">K &amp; O AUTO WHOLE SALE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">K B AUTO EMPORIUM</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KAHLER AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KALER LEASING SERVICES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KALIGNA&#146;S AUTO BROKER LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KARGAR, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KATHY&#146;S KARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KATY AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KC AUTO FINANCE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KC AUTOMOTIVE GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KDK AUTO BROKERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KEITH HAWTHORNE HYUNDAI, LLC</TD></TR>
</TABLE>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">KELLEY BUICK GMC
INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KELLY NISSAN INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KELLYS CARS 4 U INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KELSEY CHEVROLET LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KEMET AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KENDALL MITSUBISHI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KENDALL TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KENNEDY KARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KENS KARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KERRY NISSAN, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KERRY TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KEVIN POWELL MOTORSPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KEVIN POWELL&#146;S FORSYTH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KEVIN&#146;S KARS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KEY CHRYLSER PLYMOUTH INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KEY WEST KIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KIA COUNTRY OF SAVANNAH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KIA OF CANTON</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KIA OF GREENVILLE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KIA OF LEESBURG</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KIMBLE&#146;S AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KING AUTOMOTIVE, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KING MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KING SUZUKI OF HICKORY LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KINGS AUTO GROUP INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KINGS FORD, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KINGS KIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KINGS OF QUALITY AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KLASSIC CARS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KLETT AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KNE MOTORS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KNH WHOLESALE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KNIGHT&#146;S AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KNOX BUDGET CAR SALES&nbsp;&amp; RENTAL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KOE-MAK CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KRAFT MOTORCAR CO.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KUNES COUNTRY AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KUNES COUNTRY C-B OF STERLIN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KUNES COUNTRY CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KUNES COUNTRY CHEVROLET GMC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KUNES COUNTRY CHRYSLER DODGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KUNES COUNTRY FORD LINCOLN INC</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<p Style='page-break-before:always'>
<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">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">KUNES COUNTRY FORD OF
STERLING</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KUNES COUNTRY OF MONMOUTH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KUNES COUNTY FORD OF ANTIOCH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KURT JOHNSON AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">KZ AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">L &amp; J AUTO SALES&nbsp;&amp; LEASING LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LA AUTO STAR, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LA PORTE MITSUBISHI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAFONTAINE AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAFONTAINE MOTORS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAGRANGE MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAGUNA NIGUEL AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAKE COUNTY AUTO BROKERS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAKE COUNTY AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAKE HARTWELL HYUNDAI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAKE PLACID MOTOR CAR, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAKE WALES CHRSYLER DODGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAKELAND CHRYSLER DODGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAKELAND TOYOTA INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAKESIDE MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANCASTER AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANCASTERS AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANDERS MCLARTY SUBARU</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANDMARK AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANDMARK CDJ OF MONROE, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANDSTREET AUTO SOLUTIONS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANGDALE HONDA KIA OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANIGAN&#146;S AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LANTERN MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LARKIN COBB CHEVROLET BUICK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LASCO FORD INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LATIN MOTORS INTERNATIONAL LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAW AUTO SALES, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAWRENCE MOTORSPORTS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LAWSON MOTORSPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LDB MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEE AUTO GROUP INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEE MAC AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEE&#146;S AUTO SALES, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEE&#146;S SUMMIT HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEGACY AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEGACY AUTOS</TD></TR>
</TABLE> </DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">LEGACY TOYOTA</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEGEND AUTO, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEITH MITSUBISHI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEJUNE AUTO SALES, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEOPARDI AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LET&#146;S DRIVE AUTO CREDIT LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEVEL UP AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEWIS AUTO PLAZA INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LEXINGTON AUTO GALLERY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LGE CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LIBERTY AUTO CITY INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LIBERTY AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LIBERTY FORD LINCOLN MERC INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LIBERTY USED MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LIFESTYLE MOTOR GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LIGHTHOUSE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LIGHTHOUSE AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LINCOLNWAY SALES&nbsp;&amp; SERVICE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LIPTON TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LITANI MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LJ USED CARS INC 2</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LMN AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOGAN&nbsp;&amp; LOGAN AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOGANVILLE FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LONDOFF JOHNNY CHEVROLET INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LONGSTREET AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOU FUSZ BUICK GMC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOU FUSZ DODGE CO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOU FUSZ MITSUBISHI ST. PETERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOU FUSZ MOTOR CO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOU FUSZ MOTOR CO OF METRO EAS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOWEST PRICE TRANSPORTATION</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LOWPRICE AUTO MART LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUCKY CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUCKY LINE MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUCKY MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUNA MOTOR GROUP CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUNI AUTO GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUXURY AUTO DEPOT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUXURY AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUXURY FLEET LEASING LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUXURY IMPORTS AUTO SALES</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>


<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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">LUXURY MOTOR CAR
COMPANY</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUXURY MOTORS OUTLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LUXURY MOTORWERKS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LYNCH CHEVROLET OF KENOSHA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">LYNNHAVEN MOTOR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M &amp; B AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M &amp; L CHRYSLER DODGE JEEP RAM</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M &amp; M AUTO PLEX</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M &amp; M AUTO SUPER STORE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M &amp; M AUTO WHOLESALERS, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M &amp; M AUTO, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M &amp; M MOTORS OF ROCK HILL INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M I D OVERSEAS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M STREET MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">M1 AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAC CHURCHILL AUTO MALL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MACHADO AUTO SELL LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MACON AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MADISON AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MADISON COUNTY FORD LINC MERC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAGIC CITY MOTORCARS, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAGIC IMPORTS OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAGIC MOTORS CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAGNA AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAHER CHEVROLET INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAINLAND AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAINSTREAM AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAJOR MOTORS OF ARAB, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MALCOLM CUNNINGHAM HYUNDAI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MALOY AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARANATHA AUTO, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARBURGER CHRYSLER DODGE JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARCH MOTORS INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARIETTA AUTO MALL CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARIETTA AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARIETTA MITSUBISHI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARK&#146;S AUTOMOTIVE SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARLOZ OF HIGH POINT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARONEY AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARTIN&#146;S AUTO BROKERS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MARTY FELDMAN CHEVY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MASTER AUTO GROUP</TD></TR>
</TABLE>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">MASTER CAR INTERNATIONAL,
INC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MASTER CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MATHEWS BUDGET AUTO CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MATHEWS FORD INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MATHEWS FORD OREGON, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MATHEWS HAROLD NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MATT CASTRUCCI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MATTERN AUTOMOTIVE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MATTHEWS MOTORS INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MATTHEWS-HARGREAVES CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAUS MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAUS NISSAN OF CRYSTAL RIVER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAX AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAX MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAXIMUM DEALS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAXXIM AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAYSVILLE PREMIER AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAZ AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAZARI MOTORS, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAZDA OF ROSWELL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAZDA SAAB OF BEDFORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MAZDA WESTSIDE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCADENVILLE MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCCLUSKY AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCCLUSKY&#146;S CHEVROLET INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCDONOUGH NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCGHEE AUTO SALES INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCGUIRE KIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCHENRY MOTORWERKS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCINERNEYS WOODHAVEN CHRYSLER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCJ AUTO SALES OF CENTRAL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCKENNEY CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MCKINNEY DODGE CHRYSLER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MEACH AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MECHANICSVILLE TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MEISTER IMPORT MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MEMBERS SALES AND LEASING INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MEMORIAL HWY AUTO SALES AND</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MEROLLIS CHEVROLET SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">METRO AUTO MART LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">METRO AUTO TRADERS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">METRO FORD INC</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">METRO MOTORS KC
LLC</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">METRO TRUCK SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MI AUTO CENTER LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIA ON WHEELS CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIA REPOS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIAMI AUTO LIQUIDATORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIAMI AUTO WHOLESALE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIAMI EMPIRE AUTO SALES CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MICHAEL RABURN&#146;S AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MICHAEL&#146;S AUTO SALES CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MICHAEL&#146;S IMPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MICHAEL&#146;S MOTOR CO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MID AMERICA AUTO EXCHANGE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MID AMERICA AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MID LAKE MOTORS INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDCITY AUTO&nbsp;&amp; TRUCK EXCHANGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDTOWN MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWAY AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWEST AUTO DIRECT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWEST AUTO MART LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWEST AUTO STORE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWEST FINANCIAL SERVICES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWEST MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWEST MOTORS SALES&nbsp;&amp; SERVICE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWEST MOTORSPORT SALES&nbsp;&amp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWEST WHOLESALE MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIDWESTERN AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIG CHRYSLER DODGE JEEP RAM</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIGENTE MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIGHTY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIKANO AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIKE AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIKE BASS FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIKE CASTRUCCI CHEVY OLDS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIKE CASTRUCCI FORD SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIKE SHAD FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MILFORD MOTORS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MILLENIUM AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MILTON MARTIN HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MILTON MARTIN TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MINT AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MINT AUTO SALES</TD></TR></TABLE>
</DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">MINTON AUTO INC</P></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MINTON MOTOR CARS II LP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIRA AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIRABELLA MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MIRACLE CHRYSLER DODGE JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MJ AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MMC AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MNS AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MO AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MODERN CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOMENTUM MOTOR GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MONARCH CAR CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MONDIAL AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MONTERREY 10 AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MONTGOMERY CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MONTROSE FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MONTROSE MAZDA KENT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOORE NISSAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOORESVILLE MOTOR COMPANY LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOORING AUTOMOTIVE GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MORNING STAR MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOSES FAMILY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOSS CURTAIN MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOSSCURTAIN MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTOR CAR CONCEPTS II</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTOR CITY AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTOR MAX 2 LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORCARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORCARS OF NASHVILLE, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORCARS TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORHOUSE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORLINK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORLOTZ LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORMAX OF GRAND RAPIDS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORPOINT ROSWELL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORS DRIVEN INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOTORVATION MOTOR CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOUNTAIN TOP MOTOR COMPANY INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOUNTAIN VIEW CDJR</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MOYES AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MR AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MR WHOLESALER INC</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">MULDER AUTO
SALES</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MULLER HONDA OF GURNEE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MULLINAX FORD OF PALM BEACH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MUNSTERMAN AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MURPHY MOTOR CO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MURRAY&#146;S USED CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MUSIC CITY AUTOPLEX LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MWS WHOLESALE AUTO OUTLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MY CAR LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MY CAR STORE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MY VALUE CAR RENTALS, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MYEZAUTOBROKER.COM LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">N AND R MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NACHBAR AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NALLEY HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NAPLETON SANFORD IMPORTS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NAPLETON ST LOUIS IMPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NAPLETON&#146;S HYUNDAI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NAPLETON&#146;S MID RIVERS CHRYSLER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NAPLETON&#146;S RIVER OAKS KIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NASH CHEVROLET COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NASHVILLE CHRYSLER DODGE JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NASSCO INTERNATIONAL, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NATIONAL AUTOMOTIVE, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NATIONAL CAR MART, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NATIONAL MOTORS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NATIONAL ROAD AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NATIONWIDE AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NATIONWIDE LUXURY CARS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NAVA MOTORS CORP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NAVARRE AUTO AND PAWN INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NC SELECT AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEIL HUFFMAN HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEIL HUFFMAN VW</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NELSON AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NELSON MAZDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEUHOFF AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEW CENTURY AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEW RIDE MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEW RIDE MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEW RIDE MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEW TECH AUTO REPAIR CORP</TD></TR>
</TABLE> </DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><U>DEALER NAME</U></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">NEWARK AUTO LLC</P></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEWGEN MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEWPORT AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEWTON&#146;S AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEXT CAR INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NEXT STEP AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NICE AUTO GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NICHOLAS ANGELO MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NICHOLAS DATA SERVICES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NILE AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NIMNICHT CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NISSAN OF NEWNAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NONSTOP MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTH ALABAMA WHOLESALE AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTH BROTHERS FORD, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTH COAST CAR CREDIT LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTH EAST AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTH MAIN MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTHERN KY AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTHSTAR AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTHSTAR AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTHTOWNE OF LIBERTY SUZI,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTHWEST AUTO BROKERS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NORTHWEST MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NOTIME AUTOCARE&nbsp;&amp; SALES INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NOURSE CHILLICOTHE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NUKAR ALTERNATIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">NU-WAVE AUTO CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">O C WELCH FORD LINCOLN MERCURY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OAK GROVE AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OASIS MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">O&#146;BRIENS AUTO EMPORIUM,LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OCEAN DRIVE MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OCEAN HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">O&#146;CONNOR AUTOMOTIVE, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OFF LEASE FINANCIAL, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OHIO AUTO CONNECTION, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OHIO MOTORCARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OLATHE FORD SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OLD SOUTH SALES INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OLDHAM MOTOR COMPANY LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OLE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OLE AUTO SALES</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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:57.25pt; font-size:8pt; font-family:Times New Roman">DEALER NAME</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ON THE ROAD AGAIN, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ON TRACK AUTO MALL, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ONE SOURCE AUTOS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ONEILL AUTOMOTIVE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ONLY USED TRUCKS JACKSONVILLE.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ORANGE PARK AUTO MALL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ORANGE PARK DODGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ORANGE PARK TRUCKS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ORLANDO AUTOS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OSCAR MOTORS CORPORATION</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OT AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OUR LOCAL DEALER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OURISMAN CHEVROLET CO INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OV AUTO FARM</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OXMOOR FORD LINCOLN MERCURY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OXMOOR MAZDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">OXMOOR TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">P S AUTO ENTERPRISES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PACE CAR</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALM BAY FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALM BAY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALM BEACH AUTO DIRECT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALM CHEVROLET OF GAINESVILLE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALM TREE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALMEN BUICK GMC CADILLAC INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALMETTO CAR CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALMETTO FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PALMETTO WHOLESALE MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PAPPADAKIS CHRYSLER DODGE JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PARADISE MOTOR SPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PARAMOUNT AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PARKWAY MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PARS AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PARSON&#146;S AUTOMOTIVE, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PASQUALE&#146;S AUTO SALES&nbsp;&amp; BODY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PATRIOT AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PATRIOT AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PATRIOT PRE-OWNED AUTOS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PAUL BLANCO&#146;S GOOD CAR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PAUL CERAME KIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PAUL MILLER FORD, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PAYDAY MOTOR SALES</TD></TR>
</TABLE> </DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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:57.25pt; font-size:8pt; font-family:Times New Roman">DEALER NAME</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PAYLESS AUTO OF TULLAHOMA LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PAYLESS AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PAYLESS MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PC AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PCS AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PCT ENTERPRISES OF FLORIDA LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PEGGY&#146;S AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PENLAND AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PENN DETROIT AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PENSACOLA AUTO BROKERS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PENSACOLA AUTO MART, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PERFORMANCE CHRYSLER JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PERFORMANCE CHRYSLER JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PERFORMANCE CHRYSLER JEEP DODG</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PERFORMANCE MOTOR COMPANY LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PERFORMANCE USED CARS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PETE MOORE CHEVROLET, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PETE MOORE IMPORTS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PETERS AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PGF AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PHILIPS AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PHILLIPS BUICK PONTIAC GMC INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PHILLIPS CHRYSLER-JEEP, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PHILLIPS TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PIC OF GREER INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PIEMONTES DUNDEE CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PIERSON AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PILES CHEV-OLDS-PONT-BUICK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PINELLAS PARK AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PINEVILLE IMPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PINNACLE AUTOMOTIVE GALLERY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PITTSBURGH AUTO DEPOT INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PITTSBURGH AUTO DEPOT INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLAINFIELD AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLATINA CARS AND TRUCKS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLATINUM AUTO EXCHANGE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLATINUM AUTO SOURCE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLATINUM AUTO TRADE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLATINUM USED CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLATTNER&#146;S</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLAY AUTO EXPORT LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLAZA MOTORS, INC. </TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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:57.25pt; font-size:8pt; font-family:Times New Roman">DEALER NAME</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PLEASANT VALLEY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PORT MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PORTAL AUTOMOTIVE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">POWER ON AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">POWERBUY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRADO AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRE-AUCTION AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREFERRED AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER AUTO BROKERS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER AUTO LOCATORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER AUTO SALES OF BAY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER AUTOMOTIVE GROUP INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER AUTOMOTIVE KC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER AUTOMOTIVE OF BONNER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER AUTOMOTIVE SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIER MOTORCAR GALLERY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIERE CHEVROLET, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIERE MOTOR SPORTS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIERE USED CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIUM AUTO EXCHANGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIUM AUTOS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIUM CARS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIUM CARS OF MIAMI LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PREMIUM MOTORS OF FLORIDA LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESPA AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTIGE AUTO BROKERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTIGE AUTO CAR SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTIGE AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTIGE AUTO MALL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTIGE AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTIGE AUTO SALES&nbsp;&amp; RENTALS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTIGE ECONOMY CARS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTON AUTO OUTLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRESTON HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRICED RIGHT CARS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRICELESS AUTOMOTIVES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRIDE AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRIME AUTO EXCHANGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRIME MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRIME TIME MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRIMETIME MOTORS OF GARNER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
</TABLE> </DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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:57.25pt; font-size:8pt; font-family:Times New Roman">DEALER NAME</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRISTINE CARS &amp; TRUCKS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PRO SELECT AUTOS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PROCAR</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PROVIDENCE AUTO GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PT AUTO WHOLESALE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PUGMIRE FORD LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">PURE AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Q AUTOMOTIVE BRANDON FL LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">QUALITY AUTO BROKERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">QUALITY AUTO SALES OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">QUALITY AUTO SALES OF FL LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">QUALITY USED AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">R &amp; B CAR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">R &amp; Z 2 AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RADER CAR CO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAFAELS CREDIT CAR INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAMSEY MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RANDY CURNOW AUTO PLAZA/RC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RANDY SHIRKS NORTHPOINTE AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RANKL&nbsp;&amp; RIES MOTORCARS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAPTOR AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RATCHET MOTORSPORTS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAY CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAY LAETHEM BUICK GMC INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAY PEARMAN LINCOLN MERCURY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAY SKILLMAN EASTSIDE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAY SKILLMAN NORTHEAST MAZDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAY SKILLMAN OLDSMOBILE AND</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAYMOND CHEVROLET KIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RAYTOWN AUTOMALL</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RBF AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RD AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RE BARBER FORD INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REAL RELIABLE RIDES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REALITY AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RED SHAMROCK LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REGAL MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REGAL PONTIAC, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REGIONAL AUTO FINANCE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REGIONAL WHOLESALE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REIDSVILLE NISSAN INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REINEKE FORD LINCOLN MERCURY</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>
 <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='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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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:57.25pt; font-size:8pt; font-family:Times New Roman"><B></B>DEALER NAME<B></B></P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RENEWIT CAR CARE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REPUBLICA AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REVOLUTION MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">REYNOLDS AUTOMOTIVE LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RHOADES AUTOMOTIVE INCORPORATE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICART FORD USED</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICH AUTO SALES LTD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICH MORTONS GLEN BURNIE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICHARD HUGES AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICHARD KAY AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICHARDSON FORD, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICHLAND AUTO MART</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICHMOND AUTO DEPOT INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RICK CASE CARS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIDE NOW AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIDE TIME, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIGHT PRICE AUTO SALES OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIGHT WAY AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIGHTWAY AUTOMOTIVE CREDIT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIGHTWAY AUTOMOTIVE CREDIT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIGHTWAY AUTOMOTIVE CREDIT</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RITE PRICE AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIVER BEND FORD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIVER CITY AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIVERSIDE MOTORS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RIVIERA AUTO SALES SOUTH INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROAD RUNNER AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROB PARTELO&#146;S WINNERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROBERT-ROBINSON CHEVROLET</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROBERTS COMPANY MOTOR MART LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROBINSON AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROCK AUTO KC INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROCK BOTTOM AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROCK ROAD AUTO PLAZA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROCKENBACH CHEVROLET SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROD HATFIELD CHRYSLER DGE JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROGER WILLIAMS AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROGER WILSON MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROME MOTOR SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RON&#146;S RIDES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROSEDALE AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROSELLE MOTORS INC</TD></TR>
</TABLE> </DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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:57.25pt; font-size:8pt; font-family:Times New Roman">DEALER NAME</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROSEVILLE CHRYSLER JEEP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROSEWOOD AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROTRO RIDEZ LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROUEN CHRYSLER DODGE JEEP INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROUSH HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROUTE 4 BUDGET AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROY O&#146;BRIEN, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ROYAL OAK FORD SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RPM AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RUESCHHOFF AUTOMOBILES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">RUSH AUTO SALES II</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">S &amp; B AUTO BROKERS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">S S AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SABISTON MCCABE AUTO SOLUTIONS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SABRINA AUTO SALES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAGAMORE AUTO LEASING&nbsp;&amp; SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAINT LOUIS AUTO WORKS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SALTON MOTOR CARS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAM GALLOWAY FORD INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAM HOSS ENTERPRISE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAMPEDRO MOTORS COMPANY INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SANDOVAL BUICK GMC INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SANFORD AUTOPARK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SANSING CHEVROLET, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAPAUGH MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAULS MOTOR COMPANY, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAVAGE AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAVANNAH AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAVANNAH AUTOMOTIVE GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAVANNAH HYUNDAI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAVANNAH MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAVANNAH TOYOTA&nbsp;&amp; SCION</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SAVANNAH VOLKSWAGEN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SCALES AUTO SOLUTIONS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SCHMIDT AUTO CENTER, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SCHUMACHER AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SCOTT CLARK HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SCOTT EVANS CHRYSLER PLYMOUTH</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SCOTTI&#146;S AUTO REPAIT AND SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SCOTTROCK MOTORS LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SCOTTS AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SELECT AUTO</TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>
 <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='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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<DIV STYLE="position:relative;float:left; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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:57.25pt; font-size:8pt; font-family:Times New Roman">DEALER NAME</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SELECT AUTO GROUP LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SELECT AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SELECT CARS OF CLEVELAND LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SELECT CARS OF THORNBURG</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SELECT MOTORCARS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SELECT MOTORS OF TAMPA INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SELECT SI, LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SENA MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SEPULVEDA MOTORS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SERRA VISSER NISSAN INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHAFER AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHAN AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHARP CARS OF INDY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHAVER MOTORS OF ALLEN CO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHEEHY FORD INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHEEHY GLEN BURNIE INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHELBYVILLE CHRYSLER PRODUCTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHERMAN DODGE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHOOK AUTO INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHORELINE AUTO GROUP OF IONIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHORELINE MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHOW ME AUTO MALL INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHOW ME MOTORS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHOWROOM AUTO SALES OF</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SHUTT ENTERPRISES INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SIGN AND DRIVE AUTO GROUP WILK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SIGN AND DRIVE AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SIGN AND DRIVE OF RALEIGH AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SIGN IT DRIVE IT LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SIGNATURE MOTORS USA LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SIMPLE AUTO IMPORTS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SIMS MITSUBISHI</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SINA AUTO SALES, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SINCLAIR DAVE LINCOLN MERCURY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SINCLAIR MOTOR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SIR MICHAEL&#146;S AUTO SLS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SMART CHEVROLET, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SMART WAY AUTO FINANCE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SMARTBUY SELECT AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SMITH MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SMITHS AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOBH AUTOMOTIVE</TD></TR>
</TABLE> </DIV><DIV STYLE="position:relative;float:left; margin-left:2%; width:48%;padding-right:1%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

<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="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; 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:57.25pt; font-size:8pt; font-family:Times New Roman">DEALER NAME</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOLO AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOMERSET MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SONS HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOURCE AUTOMOTIVE INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTH BAY AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTH CHARLOTTE PREOWNED AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTH COUNTY AUTO CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTH DADE TOYOTA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTH MOTORS HONDA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHEAST JEEP EAGLE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN AUTO BROKERS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN CHOICE AUTO LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN COUNTRY INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN KENTUCKY AUTO&nbsp;&amp; TRK</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN MOTOR COMPANY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN MOTORSPORTS GA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN PARK AUTO MALL INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN STAR AUTOMOTIVE</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHERN TRUST AUTO GROUP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHFIELD JEEP-EAGLE, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHFIELD QUALITY CARS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHSIDE SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHTOWN MOTORS</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHTOWN MOTORS HOOVER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHTOWNE MOTORS OF NEWNAN</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHWEST AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHWEST AUTOMOTIVE (SWAG)</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SOUTHWEST FLORIDA AUTO</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPACE&nbsp;&amp; ROCKET AUTO SALES</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPACE CITY AUTO CENTER</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPARTANBURG CHRYSLER JEEP INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPC AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPEEDWAY AUTO SALES 27 LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPEEDWAY AUTO SALES LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPEEDWAY MOTORS, INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPIRIT FORD INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPITZER AUTOWORLD SHEFFIELD</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPITZER KIA</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPITZER MOTOR CITY</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPORTS AND IMPORTS, INC.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPORTS CENTER IMPORTS INC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">SPRINGFIELD BUICK GMC CADILLAC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
</TABLE> </DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>
 <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='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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<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:8pt; font-family:Times New Roman"><U>DEALER NAME</U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SRQ AUTO LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ST CHARLES MOTORS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ST GEORGE AUTO BROKERS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ST MARY AUTO LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ST. PETERS AUTO GROUP LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STANFIELD AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STAN&#146;S CAR SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STAR AUTO </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STARGATE AUTO SALES LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STARGATE AUTO SALES LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STARK AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STARRS CARS AND TRUCKS, INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STATE LINE NISSAN INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STATE STREET AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STATE STREET AUTO SALES INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STATELINE CHRYSLER DODGE JEEP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEARNS MOTORS OF NAPLES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEELY LEASE SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEPHEN A FINN AUTO BROKER </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STERLING AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STERLING AUTOMOTIVE LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEVE RAYMAN CHEVROLET, LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STEWART AUTO GROUP OF </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STINGRAY CHEVROLET </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STINGRAY CHEVROLET BARTOW LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES AUTOMOTIVE INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES BROWN TOYOTA SCION </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES BROWN TOYOTA SCION </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES HONDA CARS OF BEAUFORT </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES KIA </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES MAZDA </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES USED CAR CENTER </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STOKES VOLKSWAGEN </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STRONG AUTO </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBARU OF DAYTON </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBARU OF KENNESAW LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBARU OF MCDONOUGH, LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBARU OF PORT RICHEY INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUBURBAN FORD OF WATERFORD </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUGARLAND AUTO FINANCE INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SULLIVAN BUICK GMC INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMERS 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:8pt; font-family:Times New Roman"><U>DEALER NAME</U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMERVILLE FORD </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT AUTO LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT AUTO SALES CORP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT CITY CHEVROLET, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT PLACE KIA </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUMMIT PLACE KIA MT. CLEMENS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUN TOYOTA </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNBELT CHRYSLER JEEP DODGE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNCOAST AUTOMOTIVE SALES LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNCOAST QUALITY CARS LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNLIGHT AUTO LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNNY DAY AUTO SALES&nbsp;&amp; SERVICE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNNY FLORIDA MOTORS, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNNY KING TOYOTA </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNNYSIDE MITSUBISHI </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNRISE AUTO SALES LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNRISE AUTOMOTIVE LLC #2 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNRISE CHEVROLET </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNSET MOTORS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNSHINE AUTO </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNTRUP HYUNDAI INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUNTRUP NISSAN VOLKSWAGEN </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPER ADVANTAGE AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPER AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPER AUTO SALES INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPER CARS DIRECT INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPER DEAL AUTO SALES LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERCARS OF CAROLINAS INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR ACURA </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR AUTO EXCHANGE INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR AUTO GROUP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR BUICK GMC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR CHEVROLET </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR HONDA </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR HYUNDAI </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR HYUNDAI SOUTH </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPERIOR MOTORS NORTH </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUPREME CAR SALES LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUSAN SCHEIN CHRYSLER PLYMOUTH </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUSKIS AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUTHERLAND CHEVROLET INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUTHERLIN NISSAN
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<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:8pt; font-family:Times New Roman"><U>DEALER NAME </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUTHERLIN NISSAN ORLANDO </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SW PREMIER MOTOR GROUP INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SWANNS RENTAL AND SALES INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SWANSON SERVICE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TABOR MOTOR COMPANY </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAMIAMI FORD, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAMPA AUTO SOURCE INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAMPA BAY LUXURY LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAMPABAYAUTOS.NET </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TARGET AUTOMOTIVE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR AUTO SALES INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR IMPORT SALES INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR MORGAN INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TAYLOR&#146;S AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TD CAR SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TDR AUTO PLAZA LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEAM AUTOMOTIVE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TED CIANOS USED CAR CENTER </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEDS AUTO SALES INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TENA AUTOMOTIVE LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TENNESSEE AUTOPLEX, LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TERESA AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TERRE HAUTE AUTO AND EQUIPMENT </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TERRY CULLEN CHEVROLET </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TERRY LEE HYUNDAI INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TERRY REID HYUNDAI </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TESTAROSSA MOTORS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXANS AUTO GROUP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS BAY AREA PRE-OWNED </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS CAPITAL AUTO SALES, INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS MOTOR CLUB LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXAS STAR AUTO </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEX&#146;S AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEXVEN AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE 3445 CAR STORE, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO BROKER </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO GROUP LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO STORE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTO STORE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE AUTOBLOCK </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE BOULEVARD CAR LOT </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR CENTER
</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:8pt; font-family:Times New Roman"><U>DEALER NAME </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR COMPANY </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR CONNECTION, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR GUYS AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR GUYS LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR LOT </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR MAN LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR SHOPPE LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR SPOT </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CAR STORE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CHEVY EXCHANGE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE CONNECTION MOTORS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE LUXURY AUTOHAUS INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE MINIVAN STORE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE MONTGOMERY GROUP LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE ORIGINAL USED CAR FACTORY </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE REPO STORE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE RITE CAR </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE SUPER AUTO OUTLET </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE USED CAR FACTORY INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE WHEEL DEAL AUTO </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THEE CAR LOT #2 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THORNTON CHEVROLET, INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THORNTON ROAD HYUNDAI </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THORNTON ROAD KIA </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THOROUGHBRED FORD INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THOROUGHBRED FORD OF PLATTE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIGER&#146;S AUTO GALLERY LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TILLMAN AUTO LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIM SHORT PREMIERE USED CARS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIM TOMLIN AUTOMOTIVE GROUP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIMBERLAND FORD </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TIME TO BUY LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TINPUSHER LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TITAN AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TK AUTO SALES LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TKP AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TKP AUTO SALES INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TMR AUTO SALES LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TNT AUTO SALES INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM GILL CHEVROLET </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM HOLZER FORD </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM TEPE AUTOCENTER INC
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<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:8pt; font-family:Times New Roman"><U>DEALER NAME </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOM WOOD FORD </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOMMY&#146;S AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TONY ON WHEELS INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TONY&#146;S AUTO SALES OF </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TONY&#146;S AUTO WORLD </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOP NOTCH AUTO BROKERS INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOP NOTCH AUTOS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOP TEN AUTO TAMPA </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOTAL CAR CARE AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOTAL CYCLE CARE INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOTALNATION AUTO PRO LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOVI MOTORS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWN&nbsp;&amp; COUNTRY AUTO SALES, LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWN&nbsp;&amp; COUNTRY
FORD, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWN&nbsp;&amp; COUNTRY FORD, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWNE EAST
AUTO </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOWNSEND FORD INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF CINCINNATI </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF LAKEWOOD </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF LOUISVILLE, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF MUNCIE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA OF TAMPA BAY </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA ON NICHOLASVILLE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TOYOTA SOUTH/SCION SOUTH </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRADEWINDS MOTOR CENTER </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRADEWINDS MOTOR CENTER LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRANS AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRAYLOR AUTOMOTIVE GROUP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI CITY MOTORS SUPERSTORE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI STATE USED AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRIAD AUTO SOLUTIONS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRIAD AUTOPLEX </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI-CITY AUTO MART </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI-COUNTY CHRYSLER PRODUCTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRIPLE C CAR CO., INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRIPLE M AUTO CONSULTANTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRISTATE AUTOMOTIVE GROUP INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRI-STATE FINE CARS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TROPICAL AUTO OUTLET </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TROPICAL AUTO SALES LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TROY FORD INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUCK AND AUTO OUTLET </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUCK AND AUTO OUTLET
</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:8pt; font-family:Times New Roman"><U>DEALER NAME </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUSSVILLE WHOLESALE AUTOS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUST CAPITAL AUTOMOTIVE GROUP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUST FAMILY AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUSTED MOTORS LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUSTED MOTORS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TS XTREME AUTO OUTLET INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TSW FINANCIAL LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TWIN CITY CARS INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TWINS AUTO GROUP LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TWO OS MOTOR SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TX CAR WORLD </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">U.S. AUTO GROUP, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">U.S. FLEET&nbsp;&amp; LEASE, LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ULTIMATE AUTO DEALS INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ULTIMATE MOTOR CARS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNI AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNIQUE AUTOMOTIVES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED AUTO BROKERS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED AUTO INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED AUTOMOTIVE GROUP INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED LUXURY MOTORS LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED MOTOR COMPANY INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNITED VEHICLE SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNIVERSAL AUTO PLAZA LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNIVERSAL AUTO SALES OF PLANT </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNIVERSITY HYUNDAI OF DECATUR </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNIVERSITY MOTORS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UNLIMITED AUTO SALE LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US AUTO MART INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US AUTO SALES AND SERVICE INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US AUTOS, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US MOTOR SALES LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US MOTORS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">US MOTORS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USA CAR SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USA CHOPPERS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USA FINE CARS, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USA MOTORCARS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USED CAR MOTOR MALL OF GRAND </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USED CAR SUPERMARKET
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</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"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<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:8pt; font-family:Times New Roman"><U>DEALER NAME </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USED CARS FORSALE LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USED IMPORTS AUTO, LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VA CARS INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VA CARS OF TRI CITIES, INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VADEN CHEVROLET BUICK PONTIAC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VADEN NISSAN OF HILTON HEAD </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VALENTINE BUICK GMC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VANDER AUTO GROUP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VANN YORK BARGAIN CARS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VANN YORK PONTIAC BUICK GMC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VANN YORK TOYOTA, INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VANS AUTO SALES, LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VANTAGE MOTORS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VARSITY LINCOLN MERCURY </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VC CARS GWINNETT INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VC CARS MARIETTA LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VEGTER AUTOMOTIVE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VEHICLES 4 SALES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VELOCITY MOTORS INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VERACITY MOTOR COMPANY LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VERACITY MOTOR COMPANY LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VERSATILE COLLECTION </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VESTAVIA HILLS AUTOMOTIVE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VIC BAILEY LINCOLN MERCURY </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VICTORIA MOTORS, LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VICTORY AUTO INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VICTORY CHEVROLET </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VICTORY CHEVROLET BUICK </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VICTORY CHEVROLET LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VILLAGE AUTO OUTLET INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VILLAGE AUTO SALES LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VILLAGE AUTOMOTIVE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VINSON MOTORS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VIP AUTO ENTERPRISES INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VIP AUTO GROUP, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VISION AUTO LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VISTA CARS&nbsp;&amp; TRUCKS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VIZION AUTO </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VMARK CARS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VOGUE MOTOR CO INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VOLKSWAGEN OF LEES&#146; SUMMIT </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VOLKSWAGEN OF OCALA
</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:8pt; font-family:Times New Roman"><U>DEALER NAME </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VOLUME HYUNDAI </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VOLVO OF OCALA </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VOLVO SALES&nbsp;&amp; SERVICE CENTER I </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VOSS CHEVROLET INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VSA MOTORCARS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">W &amp; S AUTO CENTER INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">W. HARE&nbsp;&amp; SON </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WABASH AUTO CARE INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WADE FORD INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WAGNER SUBARU </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WALDORF FORD, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WALDROP MOTORS INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WALKER FORD CO., INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WALLY&#146;S WHEELS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WANTED WHEELS INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WARNER MOTORS LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WARSAW BUICK GMC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WASHINGTON AUTO GROUP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WAYNESVILLE AUTO MART </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEEKS MOTORS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEINE AUTO SALES EAST </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEINLE AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WESLEY AUTOMOTIVE LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST BROAD HYUNDAI </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST COAST CAR&nbsp;&amp; TRUCK SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST END AUTO
SALES&nbsp;&amp; SERVICE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST INTERNATIONAL CORP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WEST SIDE
TOYOTA </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WESTGATE PRE OWNED </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEELS&nbsp;&amp; DEALS AUTO
SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEELS MOTOR SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHITE MOTOR COMPANY </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHITEWATER MOTOR COMPANY INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHITEWATER MOTORS INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHOLESALE AUTO MART INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHOP.COMAUTOSALES&amp;SRVLLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WIDEWORLDOFCARS.NET LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WILDCAT AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WILDFIRE MOTORS INCORPORATED </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WILLETT HONDA SOUTH </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WIN&#151;WIN AUTO CENTER CORP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WINDER AUTO SALES INC.
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exhibit 10.20 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<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:8pt; font-family:Times New Roman"><U>DEALER NAME </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WINDY CITY MOTORSPORTS, INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WINGMAN AUTOMOTIVE, INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WISE MOTORS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOLFORD AUTOMOTIVE SALES LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOODBRIDGE MOTORS, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOODY ANDERSON FORD </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WOODY SANDER FORD, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORKMANS AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD AUTO </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD AUTO NETWORK INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD AUTO, INC. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD CAR CENTER&nbsp;&amp; FINANCING </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLD CLASS MOTORS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLDWIDE AUTO SALES AND </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLDWIDE MOTORS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORLEY AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WORRY FREE AUTO GROUP, LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WRIGHT&#146;S AUTO SALES </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XL AUTO </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XL1 MOTORSPORTS, INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XPRESS AUTO MALL </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XTREME CARS&nbsp;&amp; TRUX LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XTREME MOTORS INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YADEN&#146;S AUTO SALES, INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YARK AUTOMOTIVE GROUP, INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YERTON LEASING&nbsp;&amp; AUTO SALES
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YES AUTO SALES INC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YES AUTOMOTIVE INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YORWAY AUTO SALES INCORPORATED </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YOU SELECT AUTO SALES LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YOUR DEAL AUTOMOTIVE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YOUR KAR CO INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">YPSILANTIS IMPORT AUTO SALES </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Z AUTO PLACE </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Z AUTO PLACE </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Z IMPORTS SALES&nbsp;&amp; SERVICE INC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Z MOTORS LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZAPPIA MOTORS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZECK MOTOR COMPANY </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZEIGLER CHEVROLET LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZEIGLER CHRYSLER DODGE JEEP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZIMMER MOTOR
</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:8pt; font-family:Times New Roman"><U>DEALER NAME </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZOOM! AUTOS OF DALLAS </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ZT AUTO SALES
</P></DIV><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

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<DOCUMENT>
<TYPE>EX-14
<SEQUENCE>4
<FILENAME>d318033dex14.htm
<DESCRIPTION>CODE OF ETHICS
<TEXT>
<HTML><HEAD>
<TITLE>Code of Ethics</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 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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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='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" ALIGN="right"><B>Exhibit 14 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>5
<FILENAME>d318033dex23.htm
<DESCRIPTION>CONSENT
<TEXT>
<HTML><HEAD>
<TITLE>Consent</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 statements (No. 333-143245 and No. 333-213117) on Form S-8 of Nicholas Financial,
Inc. of our reports dated June&nbsp;14, 2017, 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, 2017. </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, 2017 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>6
<FILENAME>d318033dex311.htm
<DESCRIPTION>CERTIFICATION
<TEXT>
<HTML><HEAD>
<TITLE>Certification</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>EXHIBIT 31.1 </B></P>
<P STYLE="margin-top:6pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I, Ralph T. Finkenbrink certify that: </P> <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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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 control
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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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 (the registrant&#146;s fourth fiscal quarter
in the case of an annual report) 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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="49%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: June&nbsp;14, 2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Ralph T. Finkenbrink</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Ralph T. Finkenbrink</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(Principal Executive Officer)</TD></TR>
</TABLE>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>7
<FILENAME>d318033dex312.htm
<DESCRIPTION>CERTIFICATION
<TEXT>
<HTML><HEAD>
<TITLE>Certification</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exhibit 31.2 </B></P>
<P STYLE="margin-top:6pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I, Katie L. MacGillivary, certify that: </P> <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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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 control
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:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<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:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<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:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<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:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<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 (the registrant&#146;s fourth fiscal quarter
in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and </TD></TR></TABLE>
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<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:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<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: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 style = "page-break-inside:avoid">
<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>
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<TR>
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<TD WIDTH="49%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: June&nbsp;14, 2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Katie L. MacGillivary</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Katie L. MacGillivary</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Chief Financial Officer and Vice President Finance</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(Principal Financial Officer)</TD></TR>
</TABLE>
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<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>8
<FILENAME>d318033dex321.htm
<DESCRIPTION>CERTIFICATION
<TEXT>
<HTML><HEAD>
<TITLE>Certification</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><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, 2017 (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="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>/s/
Ralph T. Finkenbrink&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:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ralph T. Finkenbrink </P> <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:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: June&nbsp;14, 2017 </P>
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<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>9
<FILENAME>d318033dex322.htm
<DESCRIPTION>CERTIFICATION
<TEXT>
<HTML><HEAD>
<TITLE>Certification</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><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 Chief Financial Officer and Vice President of Finance 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, 2017 (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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<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Katie L. MacGillivary</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Katie L. MacGillivary</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Chief Financial Officer and Vice President of Finance</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: June&nbsp;14, 2017 </P>
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<us-gaap:NetIncomeLoss contextRef="Context_3ME_01_Oct_2016T00_00_00_TO_31_Dec_2016T00_00_00" unitRef="USD" decimals="-3">1606000</us-gaap:NetIncomeLoss>
<us-gaap:NetIncomeLoss contextRef="Context_3ME_01_Jan_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-1070000</us-gaap:NetIncomeLoss>
<us-gaap:NetIncomeLoss contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">5409000</us-gaap:NetIncomeLoss>

<us-gaap:NetIncomeLoss contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="USD" decimals="-3">5409000</us-gaap:NetIncomeLoss>

<us-gaap:EarningsPerShareBasic contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD_per_Share" decimals="2">1.40</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_3ME_01_Apr_2015T00_00_00_TO_30_Jun_2015T00_00_00" unitRef="USD_per_Share" decimals="2">0.48</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_3ME_01_Jul_2015T00_00_00_TO_30_Sep_2015T00_00_00" unitRef="USD_per_Share" decimals="2">0.43</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_3ME_01_Oct_2015T00_00_00_TO_31_Dec_2015T00_00_00" unitRef="USD_per_Share" decimals="2">0.36</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_3ME_01_Jan_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD_per_Share" decimals="2">0.35</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD_per_Share" decimals="2">1.60</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_3ME_01_Apr_2016T00_00_00_TO_30_Jun_2016T00_00_00" unitRef="USD_per_Share" decimals="2">0.37</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_3ME_01_Jul_2016T00_00_00_TO_30_Sep_2016T00_00_00" unitRef="USD_per_Share" decimals="2">0.25</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_3ME_01_Oct_2016T00_00_00_TO_31_Dec_2016T00_00_00" unitRef="USD_per_Share" decimals="2">0.21</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_3ME_01_Jan_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD_per_Share" decimals="2">-0.14</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD_per_Share" decimals="2">0.70</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareDiluted contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD_per_Share" decimals="2">1.38</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_3ME_01_Apr_2015T00_00_00_TO_30_Jun_2015T00_00_00" unitRef="USD_per_Share" decimals="2">0.47</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_3ME_01_Jul_2015T00_00_00_TO_30_Sep_2015T00_00_00" unitRef="USD_per_Share" decimals="2">0.42</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_3ME_01_Oct_2015T00_00_00_TO_31_Dec_2015T00_00_00" unitRef="USD_per_Share" decimals="2">0.35</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_3ME_01_Jan_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD_per_Share" decimals="2">0.35</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD_per_Share" decimals="2">1.59</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_3ME_01_Apr_2016T00_00_00_TO_30_Jun_2016T00_00_00" unitRef="USD_per_Share" decimals="2">0.37</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_3ME_01_Jul_2016T00_00_00_TO_30_Sep_2016T00_00_00" unitRef="USD_per_Share" decimals="2">0.25</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_3ME_01_Oct_2016T00_00_00_TO_31_Dec_2016T00_00_00" unitRef="USD_per_Share" decimals="2">0.21</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_3ME_01_Jan_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD_per_Share" decimals="2">-0.14</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD_per_Share" decimals="2">0.69</us-gaap:EarningsPerShareDiluted>
<us-gaap:SharesOutstanding contextRef="Context_As_Of_01_Apr_2014T00_00_00_TO_31_Mar_2014T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">12221000</us-gaap:SharesOutstanding>
<us-gaap:SharesOutstanding contextRef="Context_As_Of_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">7702000</us-gaap:SharesOutstanding>
<us-gaap:SharesOutstanding contextRef="Context_As_Of_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">7753000</us-gaap:SharesOutstanding>
<us-gaap:SharesOutstanding contextRef="Context_As_Of_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">7810000</us-gaap:SharesOutstanding>
<us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">389000</us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">389000</us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">85000</us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">85000</us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised>


<us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">50000</us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">50000</us-gaap:StockIssuedDuringPeriodValueStockOptionsExercised>


<us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">151000</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">13000</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">9000</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">9000</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">9000</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
<us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">44000</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>
<us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">38000</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>

<us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">48000</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>


<nick:IncomeTaxDeficiencyFromShareAwards contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">38000</nick:IncomeTaxDeficiencyFromShareAwards>
<nick:IncomeTaxDeficiencyFromShareAwards contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">38000</nick:IncomeTaxDeficiencyFromShareAwards>


<nick:IncomeTaxDeficiencyFromShareAwards contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">66000</nick:IncomeTaxDeficiencyFromShareAwards>
<nick:IncomeTaxDeficiencyFromShareAwards contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">66000</nick:IncomeTaxDeficiencyFromShareAwards>


<us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">600000</us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense>
<us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">600000</us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense>
<us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">11000</us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense>
<us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">11000</us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense>






<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">514000</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross>
<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">514000</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross>
<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">574000</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross>
<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">574000</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross>






<us-gaap:StockRepurchasedDuringPeriodValue contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">70409000</us-gaap:StockRepurchasedDuringPeriodValue>
<us-gaap:StockRepurchasedDuringPeriodValue contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_StatementEquityComponentsAxis_TreasuryStockMember" unitRef="USD" decimals="-3">70409000</us-gaap:StockRepurchasedDuringPeriodValue>
<us-gaap:StockRepurchasedDuringPeriodShares contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="shares" decimals="-3">4714000</us-gaap:StockRepurchasedDuringPeriodShares>
<nick:AdditionalTenderOfferCost contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">50000</nick:AdditionalTenderOfferCost>


<nick:AdditionalTenderOfferCost contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_StatementEquityComponentsAxis_TreasuryStockMember" unitRef="USD" decimals="-3">50000</nick:AdditionalTenderOfferCost>
<us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-6000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
<us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">24000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
<us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">17000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
<us-gaap:AdjustmentForAmortization contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-13852000</us-gaap:AdjustmentForAmortization>
<us-gaap:AdjustmentForAmortization contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-13811000</us-gaap:AdjustmentForAmortization>
<us-gaap:AdjustmentForAmortization contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-13112000</us-gaap:AdjustmentForAmortization>
<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">356000</us-gaap:DeferredIncomeTaxExpenseBenefit>
<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-292000</us-gaap:DeferredIncomeTaxExpenseBenefit>
<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-1956000</us-gaap:DeferredIncomeTaxExpenseBenefit>
<us-gaap:ShareBasedCompensation contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">514000</us-gaap:ShareBasedCompensation>
<us-gaap:ShareBasedCompensation contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">574000</us-gaap:ShareBasedCompensation>
<us-gaap:ShareBasedCompensation contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">607000</us-gaap:ShareBasedCompensation>
<us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-66000</us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets>
<us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-192000</us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets>
<us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-328000</us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets>
<us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-1085000</us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities>
<us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-2002000</us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities>
<us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">93000</us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities>
<nick:IncreaseDecreaseInIncomeTaxesReceivableAndPayable contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-981000</nick:IncreaseDecreaseInIncomeTaxesReceivableAndPayable>
<nick:IncreaseDecreaseInIncomeTaxesReceivableAndPayable contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">480000</nick:IncreaseDecreaseInIncomeTaxesReceivableAndPayable>
<nick:IncreaseDecreaseInIncomeTaxesReceivableAndPayable contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">126000</nick:IncreaseDecreaseInIncomeTaxesReceivableAndPayable>
<us-gaap:IncreaseDecreaseInDeferredRevenue contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">815000</us-gaap:IncreaseDecreaseInDeferredRevenue>
<us-gaap:IncreaseDecreaseInDeferredRevenue contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">774000</us-gaap:IncreaseDecreaseInDeferredRevenue>
<us-gaap:IncreaseDecreaseInDeferredRevenue contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">52000</us-gaap:IncreaseDecreaseInDeferredRevenue>
<us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">24492000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
<us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">22408000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
<us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">27321000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
<nick:PurchaseAndOriginationOfFinanceContracts contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">164830000</nick:PurchaseAndOriginationOfFinanceContracts>
<nick:PurchaseAndOriginationOfFinanceContracts contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">173027000</nick:PurchaseAndOriginationOfFinanceContracts>
<nick:PurchaseAndOriginationOfFinanceContracts contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">157708000</nick:PurchaseAndOriginationOfFinanceContracts>
<us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">140018000</us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment>
<us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">139289000</us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment>
<us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">130029000</us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment>
<nick:IncreaseInAssetsHeldForResale contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">51000</nick:IncreaseInAssetsHeldForResale>
<nick:IncreaseInAssetsHeldForResale contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">401000</nick:IncreaseInAssetsHeldForResale>
<nick:IncreaseInAssetsHeldForResale contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">305000</nick:IncreaseInAssetsHeldForResale>
<us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">443000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
<us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">913000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
<us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">772000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
<us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">68000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
<us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">61000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
<us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">53000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
<us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-25238000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
<us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-34991000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
<us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-28703000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
<us-gaap:ProceedsFromRepaymentsOfLinesOfCredit contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">71100000</us-gaap:ProceedsFromRepaymentsOfLinesOfCredit>
<us-gaap:ProceedsFromRepaymentsOfLinesOfCredit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">12000000</us-gaap:ProceedsFromRepaymentsOfLinesOfCredit>
<us-gaap:ProceedsFromRepaymentsOfLinesOfCredit contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">2000000</us-gaap:ProceedsFromRepaymentsOfLinesOfCredit>
<nick:IncreaseDecreaseInDraftsPayable contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-137000</nick:IncreaseDecreaseInDraftsPayable>
<nick:IncreaseDecreaseInDraftsPayable contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">977000</nick:IncreaseDecreaseInDraftsPayable>
<nick:IncreaseDecreaseInDraftsPayable contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-352000</nick:IncreaseDecreaseInDraftsPayable>
<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">318000</us-gaap:PaymentsOfDebtIssuanceCosts>
<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>
<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">25000</us-gaap:PaymentsOfDebtIssuanceCosts>
<us-gaap:ProceedsFromStockOptionsExercised contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">389000</us-gaap:ProceedsFromStockOptionsExercised>

<us-gaap:ProceedsFromStockOptionsExercised contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">85000</us-gaap:ProceedsFromStockOptionsExercised>

<us-gaap:ProceedsFromStockOptionsExercised contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">50000</us-gaap:ProceedsFromStockOptionsExercised>

<us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">600000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
<us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">11000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
<us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">11000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Context_Custom_01_Mar_2015T00_00_00_TO_19_Mar_2015T00_00_00_OfferTypeAxis_TenderOfferMember" unitRef="USD" decimals="-5">70500000</us-gaap:PaymentsForRepurchaseOfCommonStock>
<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">70409000</us-gaap:PaymentsForRepurchaseOfCommonStock>
<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">50000</us-gaap:PaymentsForRepurchaseOfCommonStock>
<us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">1499000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
<us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">11044000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
<us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">2388000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
<us-gaap:CashPeriodIncreaseDecrease contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">753000</us-gaap:CashPeriodIncreaseDecrease>
<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:CashPeriodIncreaseDecrease contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">1006000</us-gaap:CashPeriodIncreaseDecrease>
<nick:TaxDeficiencyFromShareAwards contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">38000</nick:TaxDeficiencyFromShareAwards>
<nick:TaxDeficiencyFromShareAwards contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">66000</nick:TaxDeficiencyFromShareAwards>
<us-gaap:BusinessDescriptionAndBasisOfPresentationTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;1. Organization and Basis of Presentation&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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. 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company has one reportable segment, which is the consumer finance company.&lt;/div&gt;
&lt;/div&gt;</us-gaap:BusinessDescriptionAndBasisOfPresentationTextBlock>
<us-gaap:SignificantAccountingPoliciesTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;2. Summary of Significant Accounting Policies&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Consolidation&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Tender Offer&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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&amp;#160;million. Such costs were recorded as an increase to treasury stock, reducing shareholders&amp;#8217; equity.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The aggregate number of common shares purchased in the tender offer by NFI 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Use of Estimates&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Finance Receivables&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts (see &amp;#8220;Revenue Recognition&amp;#8221;) and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&amp;#160;31, 2017 and March&amp;#160;31, 2016 are approximately $195.5 and $186.3&amp;#160;million, respectively (See Note 3).&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Allowance for Credit Losses&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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 and are considered smaller-balance homogenous loans. The Company analyzes each consolidated static pool at specific points in time to estimate losses that are probable of being incurred as of the reporting date.&amp;#160;It has maintained historical&amp;#160;&lt;font style="white-space: nowrap;"&gt;write-off&lt;/font&gt;&amp;#160;information for over 10 years with respect to every consolidated static pool and segregates each static pool by liquidation which creates snapshots or buckets of each pool&amp;#8217;s historical&amp;#160;&lt;font style="white-space: nowrap;"&gt;&lt;font style="white-space: nowrap;"&gt;write-off-to&lt;/font&gt;&lt;/font&gt;&amp;#160;liquidation ratio at five different points in each vintage pool&amp;#8217;s liquidation cycle. These snapshots are then used to assist in determining the allowance for credit losses.&amp;#160;The five snapshots are tracked at liquidation levels of 20%, 40%, 60%, 80% and 100%. These snapshots help us in determining the appropriate allowance for credit losses.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;As of March&amp;#160;31, 2016, the Company refined the allowance for credit losses by changing it to a loan by loan analysis, which more closely depicts the amount of the allowance for credit losses needed to maintain an adequate reserve. As of March&amp;#160;31, 2017, the Company further refined the reserve for losses by increasing the allowance by 50% of the principal balance, with respect to accounts whose contractual delinquency falls into the range of&amp;#160;&lt;font style="white-space: nowrap;"&gt;120-180&lt;/font&gt;&amp;#160;days past due as a result of further delinquencies that occurred subsequent to altering our&amp;#160;&lt;font style="white-space: nowrap;"&gt;charge-off&lt;/font&gt;&amp;#160;policy (see Note 3).&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;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;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Assets Held for Resale&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Property and Equipment&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 68%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="61%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="23%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Furniture&amp;#160;and&amp;#160;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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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&amp;#160;(generally&amp;#160;6&amp;#160;-7&amp;#160;years)&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 18pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Drafts Payable&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Income Taxes&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, 2017.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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 fiscal years before 2014. The Company does not believe there will be any material changes in its unrecognized tax positions over the next 12 months. There were no unrecognized tax positions as of March&amp;#160;31, 2017.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 18pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Revenue Recognition&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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 61 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, 2017, 2016, and 2015 was 7.08%, 7.51% and 8.08%, respectively.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, involuntary unemployment 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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Earnings Per Share&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. Earnings per share is calculated using the&amp;#160;&lt;font style="white-space: nowrap;"&gt;two-class&lt;/font&gt;&amp;#160;method, as such awards are more dilutive under this method than the treasury stock 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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="75%"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fiscal Year ended March 31,&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;(In thousands, except earnings per&lt;/b&gt;&lt;br  /&gt;&lt;b&gt;share 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;5,409&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,379&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(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;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(170&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,339&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&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;16,856&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;5,339&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,766&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,727&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;12,013&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(102&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;(105&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,664&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,622&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;12,013&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;.70&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.60&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;1.40&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,339&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&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;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Undistributed earnings&amp;#160;&lt;font style="white-space: nowrap;"&gt;re-allocated&lt;/font&gt;&amp;#160;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" nowrap="nowrap"&gt;&amp;#160;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Numerator for 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;5,339&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,211&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,664&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,622&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;12,013&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;62&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;70&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;179&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&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;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,692&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;12,192&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;.69&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.59&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;1.38&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Diluted earnings per share do not include the effect of certain stock options as their impact would be anti-dilutive. Approximately 161,000, 161,000, and 155,000 stock options were not included in the computation of diluted earnings per share for the years ended March&amp;#160;31, 2017, 2016 and 2015 respectively, because their effect would have been anti-dilutive.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Share-Based Payments&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The grant date fair value of share awards is recognized in earnings over the requisite service period (presumptively, the vesting period), net of estimated forfeitures. 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.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The fair value of&amp;#160;&lt;font style="white-space: nowrap;"&gt;non-vested&lt;/font&gt;&amp;#160;restricted shares and performance units are measured at the market price of a share on a grant date. Restricted shares have a three-year service period. Performance units include a performance period (generally ending at the end of the fiscal year in which the units were granted) followed by a&amp;#160;&lt;font style="white-space: nowrap;"&gt;two-year&lt;/font&gt;&amp;#160;service period. At the end of the performance period, these units effectively become restricted shares for the remaining&amp;#160;&lt;font style="white-space: nowrap;"&gt;two-year&lt;/font&gt;&amp;#160;service period at which time they become vested.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Fair Value Measurements&lt;/b&gt;&lt;/div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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&amp;#160;1, defined as observable inputs such as quoted prices in active markets; Level&amp;#160;2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level&amp;#160;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="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Financial Instruments and Concentrations&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company&amp;#8217;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), a 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;As of March&amp;#160;31, 2017, the Company operated in eighteen states through sixty-five branch locations. Florida represented 28% of the finance receivables total as of March&amp;#160;31, 2017. Ohio represented 13%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&amp;#160;31, 2017. 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Interest Rate Swap Agreements&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Statements of Cash Flows&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Cash paid for income taxes for the years ended March&amp;#160;31, 2017, 2016 and 2015 was approximately $5.4&amp;#160;million, $8.5&amp;#160;million and $7.3&amp;#160;million respectively. Cash paid for interest, including debt origination costs for the years ended March&amp;#160;31, 2017, 2016 and 2015 was approximately $9.1&amp;#160;million, $8.8&amp;#160;million and $6.1&amp;#160;million respectively.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Reclassifications&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company made certain reclassifications to the 2016 and 2015 statements of cash flows. The amortization of deferred revenues decreased cash flows from operating activities by $1.7 million and $1.3 million for 2016 and 2015 respectively and correspondingly increased cash flows from investing activities. Net income and shareholders&amp;#8217; equity was not changed.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Recent Accounting Pronouncements&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In August 2016, the Financial Accounting Standards Board (&amp;#8220;FASB&amp;#8221;) issued the Accounting Standards Update (&amp;#8220;ASU&amp;#8221;)&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-15&lt;/font&gt;&amp;#160;Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payment. The new guidance focuses on making the Statement of Cash Flows more uniform for companies. The amendments in this Update are effective for public business&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;entities for fiscal years beginning after December&amp;#160;15, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is in the process of analyzing its current presentation of the Consolidated Statements of Cash Flows. At this time, the Company does not believe ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-15&lt;/font&gt;&amp;#160;will have a material impact.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In June 2016, the FASB issued the ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-13&lt;/font&gt;&amp;#160;Financial Instruments&amp;#8212;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. Among other things, the amendments in this ASU require the measurement of all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. The ASU also requires additional disclosures related to estimates and judgments used to measure all expected credit losses.&amp;#160;The new guidance is effective for fiscal years, and interim periods within those fiscal years, beginning after December&amp;#160;15, 2019. Early application will be permitted for all organizations for fiscal years, and interim periods within those fiscal years, beginning after December&amp;#160;15, 2018. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is collecting and analyzing data that will be needed to produce historical inputs into any models created as a result of adopting this ASU. At this time, we believe the adoption of this ASU will likely have a material adverse effect on our consolidated Financial statements.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In March 2016, the FASB issued the ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-09,&lt;/font&gt;&amp;#160;&amp;#8220;Compensation&amp;#8212;Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&amp;#8221; which is intended to simplify several aspects of the accounting for share-&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities,&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;and classification on the statement of cash flows. For public entities, ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-09&lt;/font&gt;&amp;#160;is effective for annual periods&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;beginning after December&amp;#160;15, 2016, including interim periods within those fiscal years. Early application is permitted. The Company continues to evaluate the impact of the adoption of this ASU on the consolidated financial statements and at this time does not believe there will be a material impact on the consolidated financial statements.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In February 2016, the FASB issued ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;No.&amp;#160;2016-02,&lt;/font&gt;&amp;#160;&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&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;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&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;from current U.S. GAAP. ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-02&lt;/font&gt;&amp;#160;is effective for annual periods beginning after December&amp;#160;15, 2018, including interim periods within those fiscal years. Early application is permitted. Upon adoption, the Company will add the impact of the full operating lease terms, using the present value of future minimum lease payments to the balance sheet. The Company will continue to evaluate the impact of the adoption of this ASU on the consolidated financial statements.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In January 2016, the FASB issued ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;No.&amp;#160;2016-01,&lt;/font&gt;&amp;#160;&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 to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; 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&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;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. While the Company is currently evaluating the impact of the pending adoption of this ASU on the Company&amp;#8217;s consolidated financial statements, the Company does not believe it will have a material impact on the consolidated financial statements.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In May 2014, the FASB issued ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;No.&amp;#160;2014-09,&lt;/font&gt;&amp;#160;&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&amp;#160;&lt;font style="white-space: nowrap;"&gt;2014-09&lt;/font&gt;&amp;#160;by one year. As a result, ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2014-09&lt;/font&gt;&amp;#160;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). Because ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2014-09&lt;/font&gt;&amp;#160;does not apply to revenue associated with financial instruments, the Company does not expect the new guidance to have a material impact on the consolidated financial statements. The Company has begun to scope its general ledger revenue items to identify potential performance obligations and will continue to evaluate the impact of adoption on its consolidated financial statements and disclosures.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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:SignificantAccountingPoliciesTextBlock>
<us-gaap:FinancingReceivablesTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;3. Finance Receivables&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&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;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&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&amp;#160;&lt;font style="white-space: nowrap;"&gt;charges-off&lt;/font&gt;&amp;#160;receivables when an individual account has become more than 180 days contractually delinquent. In the event of repossession, the&amp;#160;&lt;font style="white-space: nowrap;"&gt;charge-off&lt;/font&gt;&amp;#160;will occur in the month in which the vehicle was repossessed.&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Contracts included in finance receivables are detailed as follows as of fiscal years ended March&amp;#160;31:&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
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&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2017&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Indirect finance receivables, gross contract&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;502,050&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;487,118&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;447,043&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Unearned interest&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(158,541&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(152,911&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(136,896&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Indirect finance receivables, net of unearned interest&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;343,509&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;334,207&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;310,147&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Unearned dealer discounts&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(17,004&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(18,023&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(17,780&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Indirect finance receivables, net of unearned interest and unearned dealer discounts&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;326,505&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;316,184&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;292,367&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Allowance for credit losses&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(16,885&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(12,265&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(11,325&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Indirect finance receivables, net&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;309,620&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;303,919&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;281,042&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;The terms of the Contracts range from 12 to 72 months and bear a weighted average contractual interest rate of 22.37% and 22.67% as of March&amp;#160;31, 2017 and 2016, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&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;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2017&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Balance at beginning of year&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;12,265&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;11,325&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;12,889&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Provision for credit losses&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;36,843&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;25,926&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;20,008&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Losses absorbed&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(34,419&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(27,963&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(25,042&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Recoveries&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2,196&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;2,977&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;3,470&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Balance at end of year&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;16,885&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;12,265&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;11,325&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 18pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 18pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&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, 2017, the average model year of vehicles collateralizing the portfolio was a 2009 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, competition, 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;/font&gt;&lt;/div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Direct Loans are loans originated directly between the Company and the consumer. Direct Loans are also included in finance receivables and are detailed as follows as of fiscal years ended March&amp;#160;31:&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="73%"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2017&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Direct finance receivables, gross contract&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;10,670&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;11,012&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;10,932&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Unearned interest&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(2,312&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(2,346&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(2,367&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Direct finance receivables, net of unearned interest&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;8,358&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;8,666&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;8,565&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Allowance for credit losses&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(773&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(748&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(703&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Direct finance receivables, net&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;7,585&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;7,918&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;7,862&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;The terms of the Direct Loans range from 12 to 72 months and bear a weighted average contractual interest rate of 25.62% and 25.72% as of March&amp;#160;31, 2017 and 2016, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&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;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="79%"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="10"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2017&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2015&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Balance at beginning of year&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;748&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;703&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;590&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Provision for credit losses&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;334&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;352&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;362&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Losses absorbed&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(338&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;)&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(328&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;(277&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Recoveries&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;29&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;21&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Balance at end of year&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;773&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;748&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;703&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Direct Loans are typically for amounts ranging from $1,000 to $11,000 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 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, 2017, 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;/font&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;A performing account is defined as an account that is less than 61 days past due. We define an automobile contract as delinquent when more than 25% of a payment contractually due by a certain date has not been paid by the immediately following due date, which date may have been extended within limits specified in the servicing agreements or as a result of a deferral. The period of delinquency is based on the number of days payments are contractually past due, as extended where applicable.&lt;/font&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/div&gt;
&lt;br  /&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;In certain circumstances, we will grant obligors&amp;#160;&lt;font style="white-space: nowrap;"&gt;one-month&lt;/font&gt;&amp;#160;payment extensions. The only modification of terms in those circumstances is to advance the obligor&amp;#8217;s next due date by one month and extend the maturity date of the receivable. There are no other concessions, such as a reduction in interest rate, forgiveness of principal or of accrued interest. Accordingly, we consider such extensions to be insignificant delays in payments rather than troubled debt restructurings.&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;A&amp;#160;&lt;font style="white-space: nowrap;"&gt;non-performing&lt;/font&gt;&amp;#160;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. As of September&amp;#160;1, 2016, when an account is 180 days contractually delinquent, the account is written off. This change aligns the Company&amp;#8217;s&amp;#160;&lt;font style="white-space: nowrap;"&gt;charge-off&lt;/font&gt;&amp;#160;policy with practices within the subprime auto financing segment. Prior to September 2016, accounts that were 120 days contractually delinquent were written off. See &amp;#8220;&lt;i&gt;Item 7 &amp;#8211; Management&amp;#8217;s Discussion and Analysis of Financial Condition and Results of Operations&lt;/i&gt;&amp;#8221; for more details. Upon notification of a bankruptcy, an account is monitored for collection with other Chapter 13 bankruptcy accounts. In the event the debtors&amp;#8217; 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.&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;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;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;The following table is an assessment of the credit quality by creditworthiness as of March&amp;#160;31:&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="66%"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="14"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2017&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2016&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Direct&lt;br  /&gt;Loans&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Direct&lt;br  /&gt;Loans&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Performing accounts&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;473,446&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;10,406&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;473,429&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;10,899&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;font style="white-space: nowrap;"&gt;Non-performing&lt;/font&gt;&amp;#160;accounts&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;24,585&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;222&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;9,435&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;498,031&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;10,628&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;482,864&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;10,978&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Chapter 13 bankruptcy accounts, net of unearned interest&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;4,019&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;42&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;4,254&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;34&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;Finance receivables, gross contract&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;502,050&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;10,670&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;487,118&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;11,012&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&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;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;The following tables present certain information regarding the delinquency rates experienced by the Company with respect to Contracts and Direct Loans on a gross basis which includes unearned interest, excluding any Chapter 13 bankruptcy accounts:&lt;/font&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="63%"&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;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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" valign="bottom" colspan="18"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;(In thousands)&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 33.75pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Contracts&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Gross Balance&lt;br  /&gt;Outstanding&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;31&amp;#160;&amp;#8211;&amp;#160;&lt;br  /&gt;60&amp;#160;days&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;61&amp;#160;&amp;#8211;&amp;#160;&lt;br  /&gt;90&amp;#160;days&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Over&lt;br  /&gt;90&amp;#160;days&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Total&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;March&amp;#160;31, 2017&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;498,031&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;25,450&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;12,388&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;12,197&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;50,035&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&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;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;5.11&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2.49&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;2.45&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;10.05&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;March&amp;#160;31, 2016&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;482,864&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;17,466&lt;/font&gt;&lt;/td&gt;
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&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;6,069&lt;/font&gt;&lt;/td&gt;
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&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;3,366&lt;/font&gt;&lt;/td&gt;
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&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;26,901&lt;/font&gt;&lt;/td&gt;
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&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&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;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;3.61&lt;/font&gt;&lt;/td&gt;
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&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;1.26&lt;/font&gt;&lt;/td&gt;
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&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;0.70&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;5.57&lt;/font&gt;&lt;/td&gt;
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&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;March&amp;#160;31, 2015&lt;/font&gt;&lt;/p&gt;
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&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;3.09&lt;/font&gt;&lt;/td&gt;
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&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;0.78&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;0.30&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;4.17&lt;/font&gt;&lt;/td&gt;
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&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;
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&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 44.2pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;Direct Loans&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
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&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;March&amp;#160;31, 2017&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
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&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td valign="top"&gt;&lt;/td&gt;
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&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
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&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;1.80&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;1.46&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;3.89&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&lt;b&gt;%&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;March&amp;#160;31, 2016&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;10,978&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;161&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;41&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;38&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;240&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&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;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;1.47&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;0.37&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;0.35&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;2.19&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;March&amp;#160;31, 2015&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;10,912&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;122&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;42&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;15&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;179&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&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;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;1.12&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;0.38&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;0.14&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;1.64&lt;/font&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;font style="font-family: times new roman,times;" size="2"&gt;%&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:FinancingReceivablesTextBlock>
<us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;4. Property and Equipment&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Property and equipment as of March&amp;#160;31, 2017 and 2016 is summarized as follows:&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;b&gt;2017&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;712&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;459&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;253&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;1,476&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;851&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;625&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;546&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;427&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;119&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;1,194&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,007&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;187&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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,928&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,744&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;1,184&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-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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;623&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;413&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;210&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;1,473&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;664&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;809&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;512&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;408&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;104&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;1,144&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;977&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;167&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px
 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; break-inside: avoid;"&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,752&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,462&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;1,290&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;During the first quarter of fiscal year 2017 the Company began the process of implementing a new loan operating system and capitalized approximately $350,000 related to the project. During the fiscal year, the Company concluded that the asset was not recoverable due to the project not progressing and the expectation that the costs incurred will not be recovered. As a result, during the fourth quarter, the Company recorded an impairment charge of $350,000 which is classified as administrative expenses in the consolidated statement of income.&lt;/div&gt;
&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
<us-gaap:DebtDisclosureTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;5. Line of Credit&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company has a line of credit facility (the &amp;#8220;Line&amp;#8221;) up to $225.0&amp;#160;million, which matures on January&amp;#160;30, 2018.&amp;#160;Prior to December&amp;#160;30, 2016 the pricing on the Line was 300 basis points above 30 day LIBOR with a 1% floor on LIBOR.&amp;#160;Effective December&amp;#160;30, 2016, the Company executed an amendment to this existing Line which provided temporary adjustments to the calculation of availability and increased the pricing of the Line to 350 basis points above 30 day LIBOR while maintaining the 1% floor on LIBOR (4.50% at March&amp;#160;31, 2017 and 4.00% at March&amp;#160;31, 2016). The amendment provides for a temporary adjustment to the calculation of the availability under the credit facility effective as of December&amp;#160;30, 2016 and will be in place through June&amp;#160;30, 2017. In connection with such adjustment, an additional event of default was added to the credit facility that would be triggered if the sum of the percentages of accounts that were more than thirty days past due, accounts that were charged off, and the value of repossessed vehicles held as assets exceeds a specified monthly threshold.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Pledged as collateral for this Line are all the assets of the Company.&amp;#160;The facility requires compliance with certain financial ratios and covenants and satisfaction of specified financial tests, including maintenance of asset quality and performance tests. As of March&amp;#160;31, 2017, the Company was in compliance with all debt covenants.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;As disclosed in Note 3, the quality of the Company&amp;#8217;s loan portfolio has been deteriorating, which has resulted in an increase in non-performing loans, increased delinquencies and other factors, which in turn has resulted in increased net charge-offs and an increase in the provision for credit losses. These conditions have resulted in a reduction in net earnings and have affected our borrowing capacity under the line of credit facility.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company&amp;#8217;s operating results over recent quarters provided indicators that the Company may not be able to continue to comply with certain of the required financial ratios, covenants and financial tests prior to the maturity date of the line of credit facility in the absence of an amendment to the corresponding credit agreement. Failure to meet any financial ratios, covenants or financial tests could result in an event of default under our line of credit facility. If an event of default occurs under the credit facility, our lenders could increase our borrowing costs, restrict our ability to obtain additional borrowings under the facility, accelerate all amounts outstanding under the facility, or enforce their interest against collateral pledged under the facility.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company is in the process of providing information to the agent bank in the loan consortium, in the ordinary course of business as well as making changes in our policies and procedures which we believe will be successful in addressing some of the issues related to loan quality. We are also developing information pertaining to our expected borrowing needs, including proposed covenants, determination of lending levels and availability and other considerations to be submitted to the agent bank to assist in addressing the renewal of credit upon expiration of the Line in January 2018. The Company has a longstanding relationship with its lenders. While management believes that it will be able to obtain a renewal or extension of the credit facility, there are no assurances that the lenders will approve the renewal or extension, or, assuming that they will approve it, that the facility will not be on terms less favorable than the current agreement. In the event that the Company obtains information that the existing lenders do not intend to extend the relationship, the Company will seek alternative financing. The Company believes it is probable that it will be able to obtain financing from either its existing lenders or from other sources; however, it can provide no assurances that it will be successful in replacing the line of credit facility on reasonable terms or at all.&lt;/p&gt;</us-gaap:DebtDisclosureTextBlock>
<us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;6. Interest Rate Swap Agreements&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, 2017 and 2016, no new contracts were initiated and no contracts matured.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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&amp;#160;&lt;font style="white-space: nowrap;"&gt;1-month&lt;/font&gt;&amp;#160;LIBOR rate. This interest rate swap agreement has an effective date of June&amp;#160;13, 2012 and a notional amount of $25.0&amp;#160;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&amp;#160;&lt;font style="white-space: nowrap;"&gt;1-month&lt;/font&gt;&amp;#160;LIBOR rate. This interest rate swap agreement has an effective date of August&amp;#160;13, 2012 and a notional amount of $25.0&amp;#160;million.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The locations and amounts of gains (losses) recognized in income are detailed as follows for the fiscal years ended March&amp;#160;31:&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="83%"&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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;222&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;(24&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(179&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;(343&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Gain (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;43&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;(367&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Net realized gains (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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;0.58&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;0.26&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
<us-gaap:FairValueDisclosuresTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;7. Fair Value Disclosures&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;u&gt;Assets and Liabilities Recorded at Fair Value on a Recurring Basis&lt;/u&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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&amp;#160;2.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fair&amp;#160;Value&amp;#160;Measurement&amp;#160;Using&lt;br /&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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 39.5pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017 &amp;#8211; asset:&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;17&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;17&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;March&amp;#160;31, 2016 &amp;#8211; liability:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&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;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(205&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"
 nowrap="nowrap"&gt;$&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;(205&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 18pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;u&gt;Financial Instruments Not Measured at Fair Value&lt;/u&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The initial terms of the Contracts range from 12 to 72 months. The initial terms of the Direct Loans range from 12 to 72 months. If liquidated outside of the normal course of business, the amount received may not be the carrying value.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, 2017 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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fair Value Measurement Using&lt;br /&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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 39.5pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Carrying&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017&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;2,855&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,855&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,855&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,849&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&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" 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;1,849&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,849&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Finance receivables:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;317,205&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;317,205&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;317,205&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;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" 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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;311,837&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;311,837&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;311,837&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Line of credit:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017&lt;/b&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;213,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;213,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;213,000&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;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" 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;211,000&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;211,000&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;211,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 18pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;u&gt;Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis&lt;/u&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, 2017 and 2016.&lt;/div&gt;
&lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
<us-gaap:IncomeTaxDisclosureTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;8. Income Taxes&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The provision for income taxes consists of the following for the years ended March&amp;#160;31:&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;4,563&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,964&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,688&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;724&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;1,054&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;1,196&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 5em; font-size: 10pt;"&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;5,287&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;8,018&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;8,884&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;(1,688&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;(254&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;308&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;(268&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;(38&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;48&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 5em; font-size: 10pt;"&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;(1,956&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;(292&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;356&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,331&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,726&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;9,240&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;7,742&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;5,918&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;487&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;491&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(6&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;78&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;282&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;128&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;8,505&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;6,615&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="77%"&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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;3,059&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,037&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,134&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;297&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;660&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;809&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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" nowrap="nowrap"&gt;&amp;#160;&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;&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;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;(25&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;29&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;31&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,331&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,726&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;9,240&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company&amp;#8217;s effective tax rate decreased to 38.11% in fiscal 2017 from 38.43% in fiscal 2016. The effective rate was 35.41% in fiscal 2015. The Company had approximately $2.1&amp;#160;million of previously&amp;#160;&lt;font style="white-space: nowrap;"&gt;non-deductible&lt;/font&gt;&amp;#160;expenses associated with the potential sale of the Company in 2014. Since the sale of the Company was not consummated, the $2.1&amp;#160;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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;9. Share-Based Payments&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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 generally 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&amp;#160;&lt;font style="white-space: nowrap;"&gt;non-employee&lt;/font&gt;&amp;#160;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, restricted stock units, performance shares, performance units, and other equity-based compensation.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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. Vesting of performance units generally does not commence until 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;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company funds share awards from authorized but unissued shares and does not purchase shares to fulfill its obligations under the Equity Plans. Cash dividends, if any, are not paid on unvested performance units or unexercised options, but are paid on unvested restricted stock awards.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;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;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&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;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company did not grant any options during the year ended March&amp;#160;31, 2017.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;A summary of option activity under the Equity Plans as of March&amp;#160;31, 2017, and changes during the year are presented below.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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;(Shares and Aggregate Intrinsic Value 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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 27.05pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/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;&lt;/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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Granted&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;&amp;#160;&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Exercised&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(9&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5.76&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 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(15&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;12.36&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 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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Outstanding at March&amp;#160;31, 2017&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;333&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;10.08&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;4.75&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;663&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Exercisable at March&amp;#160;31, 2017&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;244&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;8.78&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;3.79&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;663&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company did not grant options during the year ended March&amp;#160;31, 2017. The total intrinsic value of options exercised during the years ended March&amp;#160;31, 2017, 2016 and 2015 was approximately $46,500, $82,000, and $1,829,000 respectively.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;During the fiscal year ended March&amp;#160;31, 2017, approximately 9,000 options were exercised at exercise prices ranging from $1.20 to $8.21 per share. During the same period, approximately 15,000 options were forfeited at exercise prices ranging from $11.44 to $12.97 per share.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 18pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Cash received from options exercised during the fiscal years ended March&amp;#160;31, 2017, 2016 and 2015 totaled approximately $50,000, $85,000, and $389,000, respectively. As of March&amp;#160;31, 2017, there was approximately $137,500 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;A summary of the status of the Company&amp;#8217;s&amp;#160;&lt;font style="white-space: nowrap;"&gt;non-vested&lt;/font&gt;&amp;#160;restricted shares under the Equity Plan as of March&amp;#160;31, 2017, and changes during the year then ended is presented below.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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;(Shares and Aggregate Intrinsic Value 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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 85.75pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-vested&lt;/font&gt;&amp;#160;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;82&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;13.78&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 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;48&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Vested&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(40&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;14.37&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 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Forfeited&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;&amp;#160;&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 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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-vested&lt;/font&gt;&amp;#160;at March&amp;#160;31, 2017&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;90&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;11.95&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;1.83&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;952&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company awarded approximately 48,000 restricted shares during the fiscal year ended March&amp;#160;31, 2017. The Company granted performance units which, if the employees had reached the maximum performance level, would have awarded approximately 18,000 restricted share awards. Included within the 48,000 restricted shares granted are approximately 10,000 shares that resulted from the Company meeting a performance threshold, which is noted in the Executive Compensation Plan. During the same period, no restricted shares were forfeited.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;As of March&amp;#160;31, 2017, there was approximately $645,000 of total unrecognized compensation cost related to&amp;#160;&lt;font style="white-space: nowrap;"&gt;non-vested&lt;/font&gt;&amp;#160;restricted share awards granted under the Equity Plans. That cost is expected to be recognized over a weighted-average period of approximately 1.80 years.&lt;/p&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
<us-gaap:CompensationAndEmployeeBenefitPlansTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;10. Employee Benefit Plan&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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&amp;#160;&lt;font style="white-space: nowrap;"&gt;re-evaluate&lt;/font&gt;&amp;#160;the Company&amp;#8217;s matching policy for plan year 2018 later in 2017. For the fiscal years ended March&amp;#160;31, 2017, 2016 and 2015, the Company recorded expenses of approximately $7,000 each year related to this plan.&lt;/div&gt;
&lt;/div&gt;</us-gaap:CompensationAndEmployeeBenefitPlansTextBlock>
<us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;11. Commitments and Contingencies&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 68%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 100.85pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,023&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;1,557&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;756&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;75&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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" 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 align="right" valign="bottom"&gt;4,411&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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Rent expense for the fiscal years ended March&amp;#160;31, 2017, 2016, and 2015 was approximately $2.4, $2.3, and $2.1&amp;#160;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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;12. Quarterly Results of Operations (Unaudited)&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31, 2017&lt;br  /&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; break-inside: avoid;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;22,915&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,647&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,044&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;22,860&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;2,244&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,243&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,258&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,477&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;7,026&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,144&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,796&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;13,211&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-interest&lt;/font&gt;&amp;#160;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;8,939&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;9,102&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,403&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,883&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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;4,706&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;&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;3,158&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;&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;2,587&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; &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;(1,711&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Income tax expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&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;1,803&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,188&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;981&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(641&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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;2,903&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,970&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,606&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;(1,070&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-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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Earnings per share:&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;0.37&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;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.25&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.21&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;(0.14&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-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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;0.37&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;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.25&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.21&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;(0.14&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-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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31, 2016&lt;br  /&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; break-inside: avoid;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;22,025&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;22,687&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;22,757&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;23,238&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Interest expense&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,166&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;2,273&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;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,257&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Provision for credit losses&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,989&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;6,177&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;7,599&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;7,513&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-interest&lt;/font&gt;&amp;#160;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;8,915&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;8,940&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;8,422&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;9,040&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;5,955&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,297&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,425&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4,428&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;2,285&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;2,041&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;1,698&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;1,702&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;3,670&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,256&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,727&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;2,726&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;0.48&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.43&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.36&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;0.35&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;0.47&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.42&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.35&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;0.35&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:QuarterlyFinancialInformationTextBlock>
<us-gaap:ConsolidationPolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Consolidation&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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:TenderOfferPolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Tender Offer&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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&amp;#160;million. Such costs were recorded as an increase to treasury stock, reducing shareholders&amp;#8217; equity.&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The aggregate number of common shares purchased in the tender offer by NFI 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;/div&gt;
&lt;/div&gt;</nick:TenderOfferPolicyTextBlock>
<us-gaap:UseOfEstimates contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Use of Estimates&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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.&lt;/div&gt;
&lt;/div&gt;</us-gaap:UseOfEstimates>
<us-gaap:FinanceLoansAndLeasesReceivablePolicy contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Finance Receivables&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts (see &amp;#8220;Revenue Recognition&amp;#8221;) and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&amp;#160;31, 2017 and March&amp;#160;31, 2016 are approximately $195.5 and $186.3&amp;#160;million, respectively (See Note 3).&lt;/div&gt;
&lt;/div&gt;</us-gaap:FinanceLoansAndLeasesReceivablePolicy>
<us-gaap:FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Allowance for Credit Losses&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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 and are considered smaller-balance homogenous loans. The Company analyzes each consolidated static pool at specific points in time to estimate losses that are probable of being incurred as of the reporting date.&amp;#160;It has maintained historical&amp;#160;&lt;font style="white-space: nowrap;"&gt;write-off&lt;/font&gt;&amp;#160;information for over 10 years with respect to every consolidated static pool and segregates each static pool by liquidation which creates snapshots or buckets of each pool&amp;#8217;s historical&amp;#160;&lt;font style="white-space: nowrap;"&gt;&lt;font style="white-space: nowrap;"&gt;write-off-to&lt;/font&gt;&lt;/font&gt;&amp;#160;liquidation ratio at five different points in each vintage pool&amp;#8217;s liquidation cycle. These snapshots are then used to assist in determining the allowance for credit losses.&amp;#160;The five snapshots are tracked at liquidation levels of 20%, 40%, 60%, 80% and 100%. These snapshots help us in determining the appropriate allowance for credit losses.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;As of March&amp;#160;31, 2016, the Company refined the allowance for credit losses by changing it to a loan by loan analysis, which more closely depicts the amount of the allowance for credit losses needed to maintain an adequate reserve. As of March&amp;#160;31, 2017, the Company further refined the reserve for losses by increasing the allowance by 50% of the principal balance, with respect to accounts whose contractual delinquency falls into the range of&amp;#160;&lt;font style="white-space: nowrap;"&gt;120-180&lt;/font&gt;&amp;#160;days past due as a result of further delinquencies that occurred subsequent to altering our&amp;#160;&lt;font style="white-space: nowrap;"&gt;charge-off&lt;/font&gt;&amp;#160;policy (see Note 3).&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;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;/div&gt;</us-gaap:FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts>
<nick:AssetsHeldForResalePolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Assets Held for Resale&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;/div&gt;</nick:AssetsHeldForResalePolicyTextBlock>
<us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Property and Equipment&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 68%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="61%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="23%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Furniture&amp;#160;and&amp;#160;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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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&amp;#160;(generally&amp;#160;6&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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Drafts Payable&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Income Taxes&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, 2017.&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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 fiscal years before 2014. The Company does not believe there will be any material changes in its unrecognized tax positions over the next 12 months. There were no unrecognized tax positions as of March&amp;#160;31, 2017.&lt;/div&gt;
&lt;/div&gt;</us-gaap:IncomeTaxPolicyTextBlock>
<us-gaap:RevenueRecognitionPolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Revenue Recognition&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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 61 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, 2017, 2016, and 2015 was 7.08%, 7.51% and 8.08%, respectively.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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, involuntary unemployment insurance, and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method.&lt;/div&gt;
&lt;/div&gt;</us-gaap:RevenueRecognitionPolicyTextBlock>
<us-gaap:EarningsPerSharePolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Earnings Per Share&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. Earnings per share is calculated using the&amp;#160;&lt;font style="white-space: nowrap;"&gt;two-class&lt;/font&gt;&amp;#160;method, as such awards are more dilutive under this method than the treasury stock 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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&amp;#160;&lt;/p&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="75%"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fiscal Year ended March 31,&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands, except earnings per&lt;/b&gt;&lt;br /&gt;&lt;b&gt;share 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;5,409&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,379&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(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;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(170&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px
 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,339&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&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;16,856&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;5,339&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,766&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,727&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;12,013&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(102&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;(105&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em;
 font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,664&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,622&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;12,013&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;.70&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.60&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;1.40&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,339&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&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;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Undistributed earnings&amp;#160;&lt;font style="white-space: nowrap;"&gt;re-allocated&lt;/font&gt;&amp;#160;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" nowrap="nowrap"&gt;&amp;#160;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Numerator for 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;5,339&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,211&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,664&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,622&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;12,013&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;62&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;70&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;179&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&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;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,692&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;12,192&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;.69&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.59&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;1.38&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Diluted earnings per share do not include the effect of certain stock options as
 their impact would be anti-dilutive. Approximately 161,000, 161,000, and 155,000 stock options were not included in the computation of diluted earnings per share for the years ended March&amp;#160;31, 2017, 2016 and 2015 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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Share-Based Payments&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The grant date fair value of share awards is recognized in earnings over the requisite service period (presumptively, the vesting period), net of estimated forfeitures. 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.&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The fair value of&amp;#160;&lt;font style="white-space: nowrap;"&gt;non-vested&lt;/font&gt;&amp;#160;restricted shares and performance units are measured at the market price of a share on a grant date. Restricted shares have a three-year service period. Performance units include a performance period (generally ending at the end of the fiscal year in which the units were granted) followed by a&amp;#160;&lt;font style="white-space: nowrap;"&gt;two-year&lt;/font&gt;&amp;#160;service period. At the end of the performance period, these units effectively become restricted shares for the remaining&amp;#160;&lt;font style="white-space: nowrap;"&gt;two-year&lt;/font&gt;&amp;#160;service period at which time they become vested. &lt;font style="font-family: times new roman,times;" size="2"&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;/font&gt;&lt;/div&gt;
&lt;/div&gt;</us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>
<us-gaap:FairValueMeasurementPolicyPolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Fair Value Measurements&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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&amp;#160;1, defined as observable inputs such as quoted prices in active markets; Level&amp;#160;2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level&amp;#160;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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Financial Instruments and Concentrations&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company&amp;#8217;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), a 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;As of March&amp;#160;31, 2017, the Company operated in eighteen states through sixty-five branch locations. Florida represented 28% of the finance receivables total as of March&amp;#160;31, 2017. Ohio represented 13%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&amp;#160;31, 2017. 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;/div&gt;
&lt;/div&gt;</nick:FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock>
<us-gaap:DerivativesPolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Interest Rate Swap Agreements&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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;/div&gt;
&lt;/div&gt;</us-gaap:DerivativesPolicyTextBlock>
<nick:StatementOfCashFlowPolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Statements of Cash Flows&lt;/b&gt;&lt;/p&gt;
&lt;div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;Cash paid for income taxes for the years ended March&amp;#160;31, 2017, 2016 and 2015 was approximately $5.4&amp;#160;million, $8.5&amp;#160;million and $7.3&amp;#160;million respectively. Cash paid for interest, including debt origination costs for the years ended March&amp;#160;31, 2017, 2016 and 2015 was approximately $9.1&amp;#160;million, $8.8&amp;#160;million and $6.1&amp;#160;million respectively.&lt;/div&gt;
&lt;/div&gt;</nick:StatementOfCashFlowPolicyTextBlock>
<us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Recent Accounting Pronouncements&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In August 2016, the Financial Accounting Standards Board (&amp;#8220;FASB&amp;#8221;) issued the Accounting Standards Update (&amp;#8220;ASU&amp;#8221;)&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-15&lt;/font&gt;&amp;#160;Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payment. The new guidance focuses on making the Statement of Cash Flows more uniform for companies. The amendments in this Update are effective for public business entities for fiscal years beginning after December&amp;#160;15, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is in the process of analyzing its current presentation of the Consolidated Statements of Cash Flows. At this time, the Company does not believe ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-15&lt;/font&gt;&amp;#160;will have a material impact.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In June 2016, the FASB issued the ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-13&lt;/font&gt;&amp;#160;Financial Instruments&amp;#8212;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. Among other things, the amendments in this ASU require the measurement of all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. The ASU also requires additional disclosures related to estimates and judgments used to measure all expected credit losses.&amp;#160;The new guidance is effective for fiscal years, and interim periods within those fiscal years, beginning after December&amp;#160;15, 2019. Early application will be permitted for all organizations for fiscal years, and interim periods within those fiscal years, beginning after December&amp;#160;15, 2018. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is collecting and analyzing data that will be needed to produce historical inputs into any models created as a result of adopting this ASU. At this time, we believe the adoption of this ASU will likely have a material adverse effect on our consolidated Financial statements.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In March 2016, the FASB issued the ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-09,&lt;/font&gt;&amp;#160;&amp;#8220;Compensation&amp;#8212;Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&amp;#8221; which is intended to simplify several aspects of the accounting for share-&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities,&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;and classification on the statement of cash flows. For public entities, ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-09&lt;/font&gt;&amp;#160;is effective for annual periods&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;beginning after December&amp;#160;15, 2016, including interim periods within those fiscal years. Early application is permitted. The Company continues to evaluate the impact of the adoption of this ASU on the consolidated financial statements and at this time does not believe there will be a material impact on the consolidated financial statements.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In February 2016, the FASB issued ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;No.&amp;#160;2016-02,&lt;/font&gt;&amp;#160;&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&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;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&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;from current U.S. GAAP. ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2016-02&lt;/font&gt;&amp;#160;is effective for annual periods beginning after December&amp;#160;15, 2018, including interim periods within those fiscal years. Early application is permitted. Upon adoption, the Company will add the impact of the full operating lease terms, using the present value of future minimum lease payments to the balance sheet. The Company will continue to evaluate the impact of the adoption of this ASU on the consolidated financial statements.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In January 2016, the FASB issued ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;No.&amp;#160;2016-01,&lt;/font&gt;&amp;#160;&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 to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; 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&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;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. While the Company is currently evaluating the impact of the pending adoption of this ASU on the Company&amp;#8217;s consolidated financial statements, the Company does not believe it will have a material impact on the consolidated financial statements.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;In May 2014, the FASB issued ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;No.&amp;#160;2014-09,&lt;/font&gt;&amp;#160;&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&amp;#160;&lt;font style="white-space: nowrap;"&gt;2014-09&lt;/font&gt;&amp;#160;by one year. As a result, ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2014-09&lt;/font&gt;&amp;#160;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). Because ASU&amp;#160;&lt;font style="white-space: nowrap;"&gt;2014-09&lt;/font&gt;&amp;#160;does not apply to revenue associated with financial instruments, the Company does not expect the new guidance to have a material impact on the consolidated financial statements. The Company has begun to scope its general ledger revenue items to identify potential performance obligations and will continue to evaluate the impact of adoption on its consolidated financial statements and disclosures.&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&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>
<nick:PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 68%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="61%"&gt;&lt;/td&gt;
&lt;td valign="bottom" width="23%"&gt;&lt;/td&gt;
&lt;td&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Furniture&amp;#160;and&amp;#160;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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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&amp;#160;(generally&amp;#160;6&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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="75%"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fiscal Year ended March 31,&lt;/b&gt;&lt;br /&gt;&lt;b&gt;(In thousands, except earnings per&lt;/b&gt;&lt;br /&gt;&lt;b&gt;share 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;5,409&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,379&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(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;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(170&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,339&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&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;16,856&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;5,339&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,766&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,727&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;12,013&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(102&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;(105&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,664&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,622&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;12,013&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;.70&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.60&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;1.40&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;5,339&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,209&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;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Undistributed earnings&amp;#160;&lt;font style="white-space: nowrap;"&gt;re-allocated&lt;/font&gt;&amp;#160;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" nowrap="nowrap"&gt;&amp;#160;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2&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;&amp;#160;&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;/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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Numerator for 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;5,339&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,211&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;16,856&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,664&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,622&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;12,013&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;62&lt;/b&gt;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;70&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;179&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/b&gt;&amp;#160;&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;&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;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,692&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;12,192&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;.69&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.59&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;1.38&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
<us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="67%"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;502,050&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;487,118&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;447,043&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(158,541&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;(152,911&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;(136,896&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;343,509&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;334,207&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;310,147&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(17,004&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;(18,023&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;(17,780&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;326,505&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;316,184&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;292,367&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(16,885&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;(12,265&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;(11,325&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;309,620&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;303,919&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;281,042&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
<us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="73%"&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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;10,670&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,012&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,932&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(2,312&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;(2,346&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;(2,367&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;8,358&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;8,666&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;8,565&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(773&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;(748&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;(703&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"
 valign="bottom"&gt;&lt;b&gt;7,585&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,918&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;7,862&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
<us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,325&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&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-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;36,843&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;25,926&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;20,008&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(34,419&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;(27,963&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;(25,042&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;2,196&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;2,977&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;3,470&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;16,885&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12,265&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;11,325&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px
 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: #000000 3px 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: #000000 3px 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_2016T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="79%"&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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;703&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&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-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;334&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;352&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;362&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(338&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;(328&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;(277&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;29&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;21&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;28&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;773&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;748&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;703&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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>

<nick:ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember">&lt;div&gt;
&lt;table align="center" style="width: 100%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="63%"&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;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="page-break-inside: avoid; 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="page-break-inside: avoid; font-family: times new roman; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 33.75pt; font-family: times new roman; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;31&amp;#160;&amp;#8211;&amp;#160;&lt;br /&gt;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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;61&amp;#160;&amp;#8211;&amp;#160;&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: #000000 1pt 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: #000000 1pt 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="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;498,031&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;25,450&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,388&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;12,197&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;50,035&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="page-break-inside: avoid; 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;5.11&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;2.49&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;2.45&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;10.05&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="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;482,864&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;17,466&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,069&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,366&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;26,901&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="page-break-inside: avoid; 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;3.61&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;1.26&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;0.70&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;5.57&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;443,083&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13,694&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,435&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right"
 valign="bottom"&gt;1,330&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;18,459&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="page-break-inside: avoid; 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;/table&gt;
&lt;/div&gt;</nick:ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock>
<nick:ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember">&lt;div&gt;
&lt;table align="center" style="width: 100%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0"&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="page-break-inside: avoid; font-family: times new roman; font-size: 8pt;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 44.2pt; font-family: times new roman; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;31&amp;#160;&amp;#8211;&amp;#160;&lt;br /&gt;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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;61&amp;#160;&amp;#8211;&amp;#160;&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: #000000 1pt 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: #000000 1pt 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="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017&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;10,628&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;191&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;67&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;155&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&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;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="page-break-inside: avoid; 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;1.80&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;0.63&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;1.46&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;3.89&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="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,978&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;161&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;41&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;240&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;"&gt;
&lt;td valign="top"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.47&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.37&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.35&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2.19&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;%&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;March&amp;#160;31, 2015&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,912&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;122&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;42&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;15&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;179&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="page-break-inside: avoid; 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;/table&gt;
&lt;/div&gt;</nick:ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock>
<us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;b&gt;2017&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;div style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Automobiles&amp;#160;&lt;/div&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;712&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;459&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;&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;253&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;div style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Equipment&amp;#160;&lt;/div&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&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;1,476&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;&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;851&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;625&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;546&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;427&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;119&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Leasehold improvements&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&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;1,194&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,007&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;187&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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&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;3,928&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,744&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,184&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-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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;div style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Automobiles&amp;#160;&lt;/div&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;623&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;413&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;210&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;div style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Equipment&amp;#160;&lt;/div&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;1,473&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;664&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;809&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Furniture and fixtures&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;512&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;408&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;104&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;1,144&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;977&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;167&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&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;3,752&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,462&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,290&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="83%"&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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;222&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(24&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(179&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;(343&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Gain (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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;43&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(367&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;0.58&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;0.26&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fair&amp;#160;Value&amp;#160;Measurement&amp;#160;Using&lt;br /&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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 39.5pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017 &amp;#8211; asset:&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;17&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;17&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;March&amp;#160;31, 2016 &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;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(205&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;(205&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
<us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="10"&gt;&lt;b&gt;Fair Value Measurement Using&lt;br /&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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 39.5pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Carrying&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,855&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,855&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,855&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;March&amp;#160;31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,849&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,849&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1,849&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;317,205&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;317,205&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;317,205&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;March&amp;#160;31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&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;311,837&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;311,837&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;311,837&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;&lt;b&gt;March&amp;#160;31, 2017&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;213,000&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" nowrap="nowrap"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;213,000&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;213,000&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&gt;March&amp;#160;31, 2016&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;211,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;211,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;211,000&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
<us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;4,563&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,964&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;7,688&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;724&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;1,054&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;1,196&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 5em; font-size: 10pt;"&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;5,287&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;8,018&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;8,884&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;(1,688&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;(254&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;308&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;(268&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;(38&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;48&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 5em; font-size: 10pt;"&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;(1,956&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;(292&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;356&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;3,331&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,726&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,240&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
<us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;7,742&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5,918&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;487&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;491&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(6&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;78&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;282&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;128&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,505&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;6,615&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
<us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
&lt;tr&gt;
&lt;td width="77%"&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; break-inside: avoid;"&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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;2017&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,059&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,037&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;9,134&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;297&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;660&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;809&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#8212;&amp;#160;&amp;#160;&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" nowrap="nowrap"&gt;&amp;#160;&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;&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;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;(25&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;29&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;31&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;3,331&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;7,726&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;9,240&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
<us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Weighted average expected original term&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&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;&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;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;/div&gt;</us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock>
<us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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;(Shares and Aggregate Intrinsic Value 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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 27.05pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10.07&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Granted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&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 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(9&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;5.76&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Forfeited&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;(15&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;)&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;12.36&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 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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Outstanding at March&amp;#160;31, 2017&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;333&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10.08&lt;/td&gt;
&lt;td valign="bottom"
 nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;4.75&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;663&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Exercisable at March&amp;#160;31, 2017&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;244&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;8.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3.79&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;663&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
<us-gaap:ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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;(Shares and Aggregate Intrinsic Value 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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 85.75pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-vested&lt;/font&gt;&amp;#160;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;82&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;13.78&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Granted&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;48&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10.78&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 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;(40&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;14.37&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Forfeited&lt;/p&gt;
&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom" nowrap="nowrap"&gt;&amp;#8212;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;$&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 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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-vested&lt;/font&gt;&amp;#160;at March&amp;#160;31, 2017&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;90&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11.95&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;1.83&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;952&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 68%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;
&lt;p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 100.85pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,023&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;1,557&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;756&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;75&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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" 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 align="right" valign="bottom"&gt;4,411&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: #000000 3px 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: #000000 3px 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:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock>
<us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;div&gt;
&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31, 2017&lt;br /&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; break-inside: avoid;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,915&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,647&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,044&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;22,860&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;2,244&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,243&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,258&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,477&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;7,026&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,144&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,796&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;13,211&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-interest&lt;/font&gt;&amp;#160;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;8,939&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;9,102&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,403&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;8,883&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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;4,706&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;3,158&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,587&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(1,711&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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;1,803&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,188&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;981&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(641&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-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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;2,903&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,970&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;1,606&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(1,070&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-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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.37&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td
 valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.25&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.21&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(0.14&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-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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.37&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.25&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;0.21&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;(0.14&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-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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="14"&gt;&lt;b&gt;Fiscal Year ended March&amp;#160;31, 2016&lt;br /&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; break-inside: avoid;"&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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;22,025&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;22,687&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;22,757&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;23,238&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;2,166&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;2,273&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;td
 valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,257&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;4,989&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;6,177&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;7,599&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;7,513&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-interest&lt;/font&gt;&amp;#160;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;8,915&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;8,940&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;8,422&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;9,040&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;5,955&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;5,297&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;4,425&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;4,428&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;2,285&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;2,041&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;1,698&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;1,702&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,670&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;3,256&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,727&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;2,726&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.48&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.43&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.36&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.35&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.47&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.42&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.35&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;0.35&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="Segment" decimals="INF">1</us-gaap:NumberOfReportableSegments>
<us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_AutomobilesMember">3 years</us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives>
<us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember">5 years</us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives>
<us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember">7 years</us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives>
<us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_LeaseholdImprovementsMember">Lesser of lease term or useful life (generally 6 -7 years)</us-gaap:PropertyPlantAndEquipmentEstimatedUsefulLives>
<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:PreferredStockDividendsAndOtherAdjustments contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">70000</us-gaap:PreferredStockDividendsAndOtherAdjustments>
<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>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">5339000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
<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:WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="shares" decimals="-3">7766000</nick:WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities>
<nick:WeightedAverageParticipatingSecuritiesOutstanding contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="shares" decimals="-3">-105000</nick:WeightedAverageParticipatingSecuritiesOutstanding>
<nick:WeightedAverageParticipatingSecuritiesOutstanding contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="shares" decimals="-3">-102000</nick:WeightedAverageParticipatingSecuritiesOutstanding>
<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:WeightedAverageNumberOfSharesOutstandingBasic contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="shares" decimals="-3">7664000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
<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: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:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="shares" decimals="-3">62000</us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements>
<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>
<us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="shares" decimals="-3">7726000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
<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:PercentageOfAggregateNumberOfCommonSharesPurchased contextRef="Context_As_Of_17_Mar_2015T00_00_00_TO_17_Mar_2015T00_00_00_OfferTypeAxis_TenderOfferMember" unitRef="pure" decimals="3">0.380</nick:PercentageOfAggregateNumberOfCommonSharesPurchased>
<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:DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-5">195500000</nick:DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables>
<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:PercentageOfReceivableInterestDiscount contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="4">0.0708</nick:PercentageOfReceivableInterestDiscount>
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<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:IncomeTaxesPaid contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-5">5400000</us-gaap:IncomeTaxesPaid>
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<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:InterestPaidNet contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-5">9100000</us-gaap:InterestPaidNet>
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<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:NotesReceivableGross contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">502050000</us-gaap:NotesReceivableGross>
<us-gaap:NotesReceivableGross contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10670000</us-gaap:NotesReceivableGross>
<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>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">158541000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
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<nick:UnearnedDiscountIncludedInFinancingReceivables contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">17004000</nick:UnearnedDiscountIncludedInFinancingReceivables>
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<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>
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<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>
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<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_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">498031000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10628000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_PerformingFinancingReceivableMember" unitRef="USD" decimals="-3">473446000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_NonperformingFinancingReceivableMember" unitRef="USD" decimals="-3">24585000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_PerformingFinancingReceivableMember" unitRef="USD" decimals="-3">10406000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_NonperformingFinancingReceivableMember" unitRef="USD" decimals="-3">222000</nick:NotesReceivableGrossAmountExcludingChapter13BankruptAccounts>
<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:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts 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:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts 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:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">502050000</nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">10670000</nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_InternalCreditAssessmentAxis_BankruptAccountsFinancingReceivableMember" unitRef="USD" decimals="-3">4019000</nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>
<nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_InternalCreditAssessmentAxis_BankruptAccountsFinancingReceivableMember" unitRef="USD" decimals="-3">42000</nick:NotesReceivableGrossAmountIncludingChapter13BankruptAccounts>




































<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_2015T00_00_00_TO_31_Mar_2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">13694000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">3435000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">1330000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">122000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">42000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">15000</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>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">17466000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">6069000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">3366000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">161000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">41000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">38000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="USD" decimals="-3">50035000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">413000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">25450000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">12388000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">12197000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">191000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">67000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivableRecordedInvestmentPastDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="USD" decimals="-3">155000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0417</us-gaap:FinancingReceivablePercentPastDue>
<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0164</us-gaap:FinancingReceivablePercentPastDue>
<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.0557</us-gaap:FinancingReceivablePercentPastDue>
<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0219</us-gaap:FinancingReceivablePercentPastDue>
<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.1005</us-gaap:FinancingReceivablePercentPastDue>
<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.0389</us-gaap:FinancingReceivablePercentPastDue>


<nick:InitialTermsOfIndirectFinanceReceivables contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_RangeAxis_MaximumMember">P72M</nick:InitialTermsOfIndirectFinanceReceivables>
<nick:InitialTermsOfIndirectFinanceReceivables contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_RangeAxis_MinimumMember">P12M</nick:InitialTermsOfIndirectFinanceReceivables>
<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:FinanceReceivablesWeightedAverageInterestRate contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember" unitRef="pure" decimals="4">0.2237</nick:FinanceReceivablesWeightedAverageInterestRate>
<nick:FinanceReceivablesWeightedAverageInterestRate contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="4">0.2562</nick:FinanceReceivablesWeightedAverageInterestRate>
<nick:FinanceReceivablesPercentage contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="pure" decimals="2">0.02</nick:FinanceReceivablesPercentage>
<nick:PerformingAccountCriteriaMaximumPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">P61D</nick:PerformingAccountCriteriaMaximumPeriod>
<nick:NonPerformingAccountCriteriaMinimumPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">P61D</nick:NonPerformingAccountCriteriaMinimumPeriod>
<nick:DelinquentAccountCriteriaPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">P180D</nick:DelinquentAccountCriteriaPeriod>
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<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:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">3928000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_AutomobilesMember" unitRef="USD" decimals="-3">712000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember" unitRef="USD" decimals="-3">1476000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="USD" decimals="-3">546000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_LeaseholdImprovementsMember" unitRef="USD" decimals="-3">1194000</us-gaap:PropertyPlantAndEquipmentGross>
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<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:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">2744000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_AutomobilesMember" unitRef="USD" decimals="-3">459000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember" unitRef="USD" decimals="-3">851000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="USD" decimals="-3">427000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PropertyPlantAndEquipmentByTypeAxis_LeaseholdImprovementsMember" unitRef="USD" decimals="-3">1007000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="USD" decimals="-5">225000000</us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>
<us-gaap:DebtInstrumentBasisSpreadOnVariableRate1 contextRef="Context_Custom_01_Dec_2016T00_00_00_TO_29_Dec_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="4">0.0300</us-gaap:DebtInstrumentBasisSpreadOnVariableRate1>
<us-gaap:DebtInstrumentBasisSpreadOnVariableRate1 contextRef="Context_Custom_30_Dec_2016T00_00_00_TO_31_Mar_2017T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="3">0.035</us-gaap:DebtInstrumentBasisSpreadOnVariableRate1>
<us-gaap:DebtInstrumentDescriptionOfVariableRateBasis contextRef="Context_Custom_01_Dec_2016T00_00_00_TO_29_Dec_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember">30 day LIBOR</us-gaap:DebtInstrumentDescriptionOfVariableRateBasis>
<us-gaap:DebtInstrumentDescriptionOfVariableRateBasis contextRef="Context_Custom_30_Dec_2016T00_00_00_TO_31_Mar_2017T00_00_00_CreditFacilityAxis_LineOfCreditMember">30 day LIBOR</us-gaap:DebtInstrumentDescriptionOfVariableRateBasis>
<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:LineOfCreditFacilityInterestRateAtPeriodEnd contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="4">0.0450</us-gaap:LineOfCreditFacilityInterestRateAtPeriodEnd>


<nick:PeriodicSettlementsIncludedInInterestExpense contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">343000</nick:PeriodicSettlementsIncludedInInterestExpense>
<nick:PeriodicSettlementsIncludedInInterestExpense contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">179000</nick:PeriodicSettlementsIncludedInInterestExpense>
<nick:PreTaxIncomeLossGainRecognizedInIncome contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-367000</nick:PreTaxIncomeLossGainRecognizedInIncome>
<nick:PreTaxIncomeLossGainRecognizedInIncome contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">43000</nick:PreTaxIncomeLossGainRecognizedInIncome>
<nick:DerivativeAverageVariableInterestRateReceived contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="pure" decimals="4">0.0026</nick:DerivativeAverageVariableInterestRateReceived>
<nick:DerivativeAverageVariableInterestRateReceived contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="pure" decimals="4">0.0058</nick:DerivativeAverageVariableInterestRateReceived>
<nick:DerivativeAverageFixedInterestRatePaid contextRef="Context_Custom_01_Jan_2012T00_00_00_TO_04_Jun_2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="pure" decimals="2">0.01</nick:DerivativeAverageFixedInterestRatePaid>
<nick:DerivativeAverageFixedInterestRatePaid contextRef="Context_Custom_01_Jun_2012T00_00_00_TO_30_Jul_2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="pure" decimals="4">0.0087</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>
<nick:DerivativeAverageFixedInterestRatePaid contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="pure" decimals="4">0.0094</nick:DerivativeAverageFixedInterestRatePaid>
<us-gaap:NumberOfInterestRateDerivativesHeld contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="Swap" decimals="INF">2</us-gaap:NumberOfInterestRateDerivativesHeld>
<us-gaap:DerivativeTermOfContract contextRef="Context_Custom_01_Jan_2012T00_00_00_TO_04_Jun_2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember">P5Y</us-gaap:DerivativeTermOfContract>
<us-gaap:DerivativeTermOfContract contextRef="Context_Custom_01_Jun_2012T00_00_00_TO_30_Jul_2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember">P5Y</us-gaap:DerivativeTermOfContract>
<nick:DerivativeDescriptionOfVariableRateBasisTwo contextRef="Context_Custom_01_Jan_2012T00_00_00_TO_04_Jun_2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember">1-month LIBOR</nick:DerivativeDescriptionOfVariableRateBasisTwo>
<nick:DerivativeDescriptionOfVariableRateBasisTwo contextRef="Context_Custom_01_Jun_2012T00_00_00_TO_30_Jul_2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember">1-month LIBOR</nick:DerivativeDescriptionOfVariableRateBasisTwo>
<invest:DerivativeNotionalAmount contextRef="Context_As_Of_04_Jun_2012T00_00_00_TO_04_Jun_2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="USD" decimals="-5">25000000</invest:DerivativeNotionalAmount>
<invest:DerivativeNotionalAmount contextRef="Context_As_Of_30_Jul_2012T00_00_00_TO_30_Jul_2012T00_00_00_DerivativeInstrumentRiskAxis_InterestRateSwapMember" unitRef="USD" decimals="-5">25000000</invest:DerivativeNotionalAmount>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31-Mar-2016T00_00_00_FairValueByMeasurementBasisAxis_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_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">1849000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31-Mar-2017T00_00_00_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">2855000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" decimals="-3">2855000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31-Mar-2017T00_00_00_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">2855000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31-Mar-2016T00_00_00_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">311837000</us-gaap:NotesReceivableFairValueDisclosure>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" decimals="-3">311837000</us-gaap:NotesReceivableFairValueDisclosure>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31-Mar-2016T00_00_00_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">311837000</us-gaap:NotesReceivableFairValueDisclosure>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31-Mar-2017T00_00_00_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">317205000</us-gaap:NotesReceivableFairValueDisclosure>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" decimals="-3">317205000</us-gaap:NotesReceivableFairValueDisclosure>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31-Mar-2017T00_00_00_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">317205000</us-gaap:NotesReceivableFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31-Mar-2016T00_00_00_FairValueByMeasurementBasisAxis_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_FairValueInputsLevel2Member" unitRef="USD" decimals="-3">211000000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31-Mar-2016T00_00_00_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">211000000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31-Mar-2017T00_00_00_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">213000000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" decimals="-3">213000000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31-Mar-2017T00_00_00_FairValueByMeasurementBasisAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-3">213000000</us-gaap:LinesOfCreditFairValueDisclosure>
<nick:InitialTermsOfFinanceReceivables contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_RangeAxis_MaximumMember">P72M</nick:InitialTermsOfFinanceReceivables>
<nick:InitialTermsOfFinanceReceivables contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_RangeAxis_MinimumMember">P12M</nick:InitialTermsOfFinanceReceivables>
<nick:InitialTermsOfFinanceReceivables contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_RangeAxis_MaximumMember">P72M</nick:InitialTermsOfFinanceReceivables>
<nick:InitialTermsOfFinanceReceivables contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_RangeAxis_MinimumMember">P12M</nick:InitialTermsOfFinanceReceivables>
<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">6964000</us-gaap:CurrentFederalTaxExpenseBenefit>
<us-gaap:CurrentFederalTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">4563000</us-gaap:CurrentFederalTaxExpenseBenefit>
<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">1054000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
<us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">724000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
<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>
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<us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">5287000</us-gaap:CurrentIncomeTaxExpenseBenefit>
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<us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-254000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
<us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-1688000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
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<us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-38000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
<us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-268000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
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<us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">7742000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
<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:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">487000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
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<us-gaap:DeferredTaxAssetsOther contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">282000</us-gaap:DeferredTaxAssetsOther>
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<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>
<us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">297000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
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<us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="4">0.3811</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
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<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>
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<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>
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<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>
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<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber contextRef="Context_As_Of_01_Apr_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">357000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" xsi:nil="true"/>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">15000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">15000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="-3">244000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">10.08</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice contextRef="Context_As_Of_01_Apr_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:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" xsi:nil="true"/>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">5.76</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">12.36</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">8.78</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
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<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2 contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_EmployeeStockOptionMember">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1 contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember">P3Y9M15D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="-3">663000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1 contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityPlansMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="-3">663000</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">90000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber contextRef="Context_As_Of_01_Apr_2016T00_00_00_TO_31_Mar_2016T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">82000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">48000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">48000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="-3">40000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="shares" xsi:nil="true"/>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" decimals="2">11.95</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue contextRef="Context_As_Of_01_Apr_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:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" decimals="2">10.78</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" decimals="2">14.37</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD_per_Share" xsi:nil="true"/>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember">P1Y9M29D</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember" unitRef="USD" decimals="-3">952000</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested>
<nick:NumberOfShareBasedCompensationPlans contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="EquityPlan" decimals="INF">2</nick:NumberOfShareBasedCompensationPlans>
<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_2017T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_EmployeeStockOptionMember_TitleOfIndividualAxis_DirectorMember" unitRef="shares" decimals="-5">1100000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_RestrictedStockMember">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_EmployeeStockOptionMember_TitleOfIndividualAxis_DirectorMember">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_PlanNameAxis_EquityIncentivePlanMember_AwardTypeAxis_EmployeeStockOptionMember_TitleOfIndividualAxis_EmployeesAndDirectorsMember">P5Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">Black-Scholes option-pricing model</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed>
<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>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">46500</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
<nick:ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_RangeAxis_MinimumMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">1.20</nick:ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice>
<nick:ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_RangeAxis_MaximumMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">8.21</nick:ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice>
<nick:ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_RangeAxis_MinimumMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">11.44</nick:ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice>
<nick:ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_RangeAxis_MaximumMember_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">12.97</nick:ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">137500</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_RestrictedStockMember" unitRef="USD" decimals="0">645000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P2Y7M6D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_RestrictedStockMember">P1Y9M18D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
<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:DefinedContributionPlanCostRecognized contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="0">7000</us-gaap:DefinedContributionPlanCostRecognized>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueCurrent contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">2023000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueCurrent>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInTwoYears contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">1557000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInTwoYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInThreeYears contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">756000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInThreeYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFourYears contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">75000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFourYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">4411000</us-gaap:OperatingLeasesFutureMinimumPaymentsDue>
<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:LeaseAndRentalExpense contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-5">2400000</us-gaap:LeaseAndRentalExpense>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="Context_3ME_01_Apr_2015T00_00_00_TO_30_Jun_2015T00_00_00" unitRef="USD" decimals="-3">22025000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="Context_3ME_01_Jul_2015T00_00_00_TO_30_Sep_2015T00_00_00" unitRef="USD" decimals="-3">22687000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="Context_3ME_01_Oct_2015T00_00_00_TO_31_Dec_2015T00_00_00" unitRef="USD" decimals="-3">22757000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="Context_3ME_01_Jan_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">23238000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="Context_3ME_01_Apr_2016T00_00_00_TO_30_Jun_2016T00_00_00" unitRef="USD" decimals="-3">22915000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="Context_3ME_01_Jul_2016T00_00_00_TO_30_Sep_2016T00_00_00" unitRef="USD" decimals="-3">22647000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="Context_3ME_01_Oct_2016T00_00_00_TO_31_Dec_2016T00_00_00" unitRef="USD" decimals="-3">22044000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="Context_3ME_01_Jan_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">22860000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Apr_2015T00_00_00_TO_30_Jun_2015T00_00_00" unitRef="USD" decimals="-3">8915000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Jul_2015T00_00_00_TO_30_Sep_2015T00_00_00" unitRef="USD" decimals="-3">8940000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Oct_2015T00_00_00_TO_31_Dec_2015T00_00_00" unitRef="USD" decimals="-3">8422000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Jan_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">9040000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Apr_2016T00_00_00_TO_30_Jun_2016T00_00_00" unitRef="USD" decimals="-3">8939000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Jul_2016T00_00_00_TO_30_Sep_2016T00_00_00" unitRef="USD" decimals="-3">9102000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Oct_2016T00_00_00_TO_31_Dec_2016T00_00_00" unitRef="USD" decimals="-3">8403000</us-gaap:NoninterestExpense>
<us-gaap:NoninterestExpense contextRef="Context_3ME_01_Jan_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">8883000</us-gaap:NoninterestExpense>
<nick:NumberOfShareGrantedEmployeesMaximumAccountReached contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="INF">18000</nick:NumberOfShareGrantedEmployeesMaximumAccountReached>
<nick:ThresholdLimitOfNumberOfShareGranted contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_AwardTypeAxis_RestrictedStockMember" unitRef="shares" decimals="INF">10000</nick:ThresholdLimitOfNumberOfShareGranted>
<us-gaap:InterestRateDerivativeAssetsAtFairValue contextRef="Context_As_Of_31-Mar-2017T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">17000</us-gaap:InterestRateDerivativeAssetsAtFairValue>
<us-gaap:InterestRateDerivativeAssetsAtFairValue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:InterestRateDerivativeAssetsAtFairValue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" decimals="-3">17000</us-gaap:InterestRateDerivativeAssetsAtFairValue>
<us-gaap:InterestRateDerivativeAssetsAtFairValue contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:ImpairmentChargeOnReclassifiedAssets contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="0">350000</us-gaap:ImpairmentChargeOnReclassifiedAssets>
<nick:PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">P10Y</nick:PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool>
<nick:LineOfCreditFacilityFloorRate contextRef="Context_Custom_01_Dec_2016T00_00_00_TO_29_Dec_2016T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="2">0.01</nick:LineOfCreditFacilityFloorRate>
<nick:LineOfCreditFacilityFloorRate contextRef="Context_Custom_30_Dec_2016T00_00_00_TO_31_Mar_2017T00_00_00_CreditFacilityAxis_LineOfCreditMember" unitRef="pure" decimals="2">0.01</nick:LineOfCreditFacilityFloorRate>



<nick:AmountOfCapitalizedNewLoanOperatingSystem contextRef="Context_3ME_01_Apr_2016T00_00_00_TO_30_Jun_2016T00_00_00" unitRef="USD" decimals="0">350000</nick:AmountOfCapitalizedNewLoanOperatingSystem>
<us-gaap:DerivativeAssetsCurrent contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">17000</us-gaap:DerivativeAssetsCurrent>
<us-gaap:AssetImpairmentCharges contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">350000</us-gaap:AssetImpairmentCharges>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">16856000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">12211000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">5339000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
<us-gaap:AmortizationOfDeferredSalesCommissions contextRef="Context_FYE_01_Apr_2014T00_00_00_TO_31_Mar_2015T00_00_00" unitRef="USD" decimals="-3">-1266000</us-gaap:AmortizationOfDeferredSalesCommissions>
<us-gaap:AmortizationOfDeferredSalesCommissions contextRef="Context_3ME_01_Jan_2016T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-1662000</us-gaap:AmortizationOfDeferredSalesCommissions>
<us-gaap:AmortizationOfDeferredSalesCommissions contextRef="Context_FYE_01_Apr_2015T00_00_00_TO_31_Mar_2016T00_00_00" unitRef="USD" decimals="-3">-1662000</us-gaap:AmortizationOfDeferredSalesCommissions>
<us-gaap:AmortizationOfDeferredSalesCommissions contextRef="Context_3ME_01_Jan_2017T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-1754000</us-gaap:AmortizationOfDeferredSalesCommissions>
<us-gaap:AmortizationOfDeferredSalesCommissions contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">-1754000</us-gaap:AmortizationOfDeferredSalesCommissions>
<nick:DirectFinanceReceivablesNetOfUnearnedInterest contextRef="Context_As_Of_31_Mar_2015T00_00_00_TO_31_Mar_2015T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">8565000</nick:DirectFinanceReceivablesNetOfUnearnedInterest>
<nick:DirectFinanceReceivablesNetOfUnearnedInterest contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">8666000</nick:DirectFinanceReceivablesNetOfUnearnedInterest>
<nick:DirectFinanceReceivablesNetOfUnearnedInterest contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="USD" decimals="-3">8358000</nick:DirectFinanceReceivablesNetOfUnearnedInterest>
<nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="2">0.20</nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses>
<nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="2">0.40</nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne>
<nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="2">0.60</nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo>
<nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="2">0.80</nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree>
<nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="2">1.00</nick:PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour>
<nick:PercentageOfAllowancesIncreasedOfPrincipalAmount contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="2">0.50</nick:PercentageOfAllowancesIncreasedOfPrincipalAmount>
<us-gaap:PriorPeriodReclassificationAdjustmentDescription contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00">&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;&lt;b&gt;Reclassifications&lt;/b&gt;&lt;/p&gt;
&lt;p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"&gt;The Company made certain reclassifications to the 2016 and 2015 statements of cash flows. The amortization of deferred revenues decreased cash flows from operating activities by $1.7 million and $1.3 million for 2016 and 2015 respectively and correspondingly increased cash flows from investing activities. Net income and shareholders&amp;#8217; equity was not changed.&lt;/p&gt;</us-gaap:PriorPeriodReclassificationAdjustmentDescription>
<nick:PercentageOfPaymentContractuallyForDelinquent contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="pure" decimals="2">0.25</nick:PercentageOfPaymentContractuallyForDelinquent>

<!-- Footnote Section -->
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&lt;table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"&gt;
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&lt;td width="66%"&gt;&lt;/td&gt;
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&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;
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&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;
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&lt;tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;"&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: #000000 1pt solid;" valign="bottom" colspan="6"&gt;&lt;b&gt;2017&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: #000000 1pt 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;
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&lt;tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;"&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
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&lt;td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Direct&lt;br /&gt;Loans&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
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&lt;td align="center" style="border-bottom: #000000 1pt 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;
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&lt;td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"&gt;&lt;b&gt;Direct&lt;br /&gt;Loans&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;
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&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;Performing accounts&lt;/p&gt;
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&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;473,446&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,406&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;473,429&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,899&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&gt;&lt;font style="white-space: nowrap;"&gt;Non-performing&lt;/font&gt;&amp;#160;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;24,585&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;222&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;9,435&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;79&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;498,031&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,628&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;482,864&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;10,978&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; break-inside: avoid;"&gt;
&lt;td valign="top"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;4,019&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;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td
 align="right" valign="bottom"&gt;&lt;b&gt;42&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;4,254&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;34&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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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: #000000 1px 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; break-inside: avoid;" bgcolor="#cceeff"&gt;
&lt;td valign="bottom"&gt;
&lt;p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"&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;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;502,050&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&lt;b&gt;$&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;&lt;b&gt;10,670&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;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;487,118&lt;/td&gt;
&lt;td valign="bottom" nowrap="nowrap"&gt;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td valign="bottom"&gt;$&lt;/td&gt;
&lt;td align="right" valign="bottom"&gt;11,012&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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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: #000000 3px 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:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
<us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">11000</us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense>
<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00_StatementEquityComponentsAxis_CommonStockMember" unitRef="USD" decimals="-3">607000</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross>
<us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">11000</us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense>
<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross contextRef="Context_FYE_01_Apr_2016T00_00_00_TO_31_Mar_2017T00_00_00" unitRef="USD" decimals="-3">607000</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensationGross>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="USD" xsi:nil="true"/>
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<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:NotesReceivableFairValueDisclosure contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="USD" xsi:nil="true"/>
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<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2017T00_00_00_TO_31_Mar_2017T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true"/>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="Context_As_Of_31_Mar_2016T00_00_00_TO_31_Mar_2016T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true"/>
<xbrli:context id="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_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:startDate>2016-04-01</xbrli:startDate><xbrli:endDate>2017-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0511</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_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:startDate>2016-04-01</xbrli:startDate><xbrli:endDate>2017-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0180</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2015T00_00_00_TO_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:startDate>2015-04-01</xbrli:startDate><xbrli:endDate>2016-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2015T00_00_00_TO_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0361</us-gaap:FinancingReceivablePercentPastDue>
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	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2015T00_00_00_TO_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0147</us-gaap:FinancingReceivablePercentPastDue>
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	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2014T00_00_00_TO_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables30To59DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0112</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_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:startDate>2016-04-01</xbrli:startDate><xbrli:endDate>2017-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0249</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_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:startDate>2016-04-01</xbrli:startDate><xbrli:endDate>2017-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0063</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2015T00_00_00_TO_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:startDate>2015-04-01</xbrli:startDate><xbrli:endDate>2016-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2015T00_00_00_TO_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0126</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2015T00_00_00_TO_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:startDate>2015-04-01</xbrli:startDate><xbrli:endDate>2016-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2015T00_00_00_TO_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0037</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2014T00_00_00_TO_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:startDate>2014-04-01</xbrli:startDate><xbrli:endDate>2015-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2014T00_00_00_TO_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0078</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2014T00_00_00_TO_31-Mar-2015T00_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:startDate>2014-04-01</xbrli:startDate><xbrli:endDate>2015-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2014T00_00_00_TO_31-Mar-2015T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivables60To89DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0038</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_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:startDate>2016-04-01</xbrli:startDate><xbrli:endDate>2017-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0245</us-gaap:FinancingReceivablePercentPastDue>
<xbrli:context id="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_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:startDate>2016-04-01</xbrli:startDate><xbrli:endDate>2017-03-31</xbrli:endDate></xbrli:period></xbrli:context>
	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2016T00_00_00_TO_31-Mar-2017T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0146</us-gaap:FinancingReceivablePercentPastDue>
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	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2015T00_00_00_TO_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CustomerContractsMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0070</us-gaap:FinancingReceivablePercentPastDue>
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	<us-gaap:FinancingReceivablePercentPastDue contextRef="Context_12ME_01-Apr-2015T00_00_00_TO_31-Mar-2016T00_00_00_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember_FinancingReceivablesPeriodPastDueAxis_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_FinanceReceivablesMember" unitRef="pure" decimals="4">0.0035</us-gaap:FinancingReceivablePercentPastDue>
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<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="PercentageOfPaymentContractuallyForDelinquent" id="nick_PercentageOfPaymentContractuallyForDelinquent" type="num:percentItemType" 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="AmountOfCapitalizedNewLoanOperatingSystem" id="nick_AmountOfCapitalizedNewLoanOperatingSystem" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LineOfCreditFacilityFloorRate" id="nick_LineOfCreditFacilityFloorRate" type="num:percentItemType" abstract="false" xbrli:periodType="duration" 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"/>
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<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="NumberOfShareGrantedEmployeesMaximumAccountReached" id="nick_NumberOfShareGrantedEmployeesMaximumAccountReached" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ThresholdLimitOfNumberOfShareGranted" id="nick_ThresholdLimitOfNumberOfShareGranted" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>12
<FILENAME>nick-20170331_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 Tuesday, June 13, 2017 02:57:57 AM -->
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_dei_EntityCentralIndexKey" xml:lang="en-US">Entity Central Index Key</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_dei_EntityCentralIndexKey" xml:lang="en-US">Entity Central Index Key</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_dei_TradingSymbol" xml:lang="en-US">Trading Symbol</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_0488I88J48KI_dei_CurrentFiscalYearEndDate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_dei_CurrentFiscalYearEndDate" xml:lang="en-US">Current Fiscal Year End Date</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_9420FG002J889GFJ4023_dei_EntityCommonStockSharesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_dei_EntityCommonStockSharesOutstanding" xml:lang="en-US">Entity Common Stock Shares Outstanding</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_dei_EntityCommonStockSharesOutstanding" xml:lang="en-US">Entity Common Stock Shares Outstanding</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityPublicFloat" xlink:label="loc_0488I88J48KI_dei_EntityPublicFloat"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_dei_EntityPublicFloat" xml:lang="en-US">Entity Public Float</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_dei_EntityPublicFloat" xml:lang="en-US">Entity Public Float</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentType" xlink:label="loc_9420FG002J889GFJ4023_dei_DocumentType"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_dei_DocumentPeriodEndDate" xml:lang="en-US">Document Period End Date</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_dei_DocumentPeriodEndDate" xml:lang="en-US">Document Period End Date</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_AmendmentFlag" xlink:label="loc_9420FG002J889GFJ4023_dei_AmendmentFlag"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_dei_AmendmentFlag" xml:lang="en-US">Amendment Flag</label>
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<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_0488I88J48KI_dei_DocumentFiscalYearFocus"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_dei_DocumentFiscalYearFocus" xml:lang="en-US">Document Fiscal Year Focus</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_dei_DocumentFiscalYearFocus" xml:lang="en-US">Document Fiscal Year Focus</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_dei_DocumentFiscalPeriodFocus" xml:lang="en-US">Document Fiscal Period Focus</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_dei_DocumentFiscalPeriodFocus" xml:lang="en-US">Document Fiscal Period Focus</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_StatementOfFinancialPositionAbstract" xlink:label="loc_0488I88J48KI_us-gaap_StatementOfFinancialPositionAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_StatementOfFinancialPositionAbstract" xml:lang="en-US">Statement of Financial Position [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_StatementOfFinancialPositionAbstract" xml:lang="en-US">Consolidated Balance Sheet</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_AssetsAbstract" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_AssetsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_AssetsAbstract" xml:lang="en-US">Assets</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_Cash" xlink:label="loc_0488I88J48KI_us-gaap_Cash"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_Cash" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_NotesReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_NotesReceivableNet" xml:lang="en-US">Financing Receivable, Net</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_NotesReceivableNet" xml:lang="en-US">Direct finance receivables, net</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_NotesReceivableNet" xml:lang="en-US">Indirect finance receivables, net</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_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:label="loc_0488I88J48KI_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xml:lang="en-US">Assets held for resale</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_PrepaidExpenseAndOtherAssets" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_PrepaidExpenseAndOtherAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_PrepaidExpenseAndOtherAssets" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_IncomeTaxReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_IncomeTaxReceivable" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_PropertyPlantAndEquipmentNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_PropertyPlantAndEquipmentNet" xlink:to="lab_1642HI224L001IHL6245_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_DerivativeAssetsCurrent" xlink:label="loc_0488I88J48KI_us-gaap_DerivativeAssetsCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_DerivativeAssetsCurrent" xml:lang="en-US">Derivative Asset, Current</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_DerivativeAssetsCurrent" 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_0488I88J48KI_us-gaap_DerivativeAssetsCurrent" xlink:to="lab_2600K00L60MK_us-gaap_DerivativeAssetsCurrent"/>
<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_9420FG002J889GFJ4023_us-gaap_DeferredTaxAssetsNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DeferredTaxAssetsNet" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_Assets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_Assets" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_LettersOfCreditOutstandingAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_LettersOfCreditOutstandingAmount" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DraftsPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DraftsPayable" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DeferredRevenue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DeferredRevenue" xlink:to="lab_1642HI224L001IHL6245_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_InterestRateDerivativeLiabilitiesAtFairValue" xlink:label="loc_0488I88J48KI_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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/terseLabel" xlink:label="lab_2600K00L60MK_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xml:lang="en-US">Interest rate swap agreements</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xml:lang="en-US">Interest rate swap agreements - liability</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_2600K00L60MK_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xml:lang="en-US">Interest rate swap agreements - liability</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_InterestRateDerivativeLiabilitiesAtFairValue" xlink:to="lab_2600K00L60MK_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_Liabilities" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_Liabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_Liabilities" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_CommitmentsAndContingencies"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_CommitmentsAndContingencies" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PreferredStockValueOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PreferredStockValueOutstanding" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_CommonStockValueOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_CommonStockValueOutstanding" xml:lang="en-US">Common stock, no par: 50,000 shares authorized; 12,524 and 12,466 shares issued respectively; 7,810 and 7,753 shares outstanding, respectively</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_CommonStockValueOutstanding" xlink:to="lab_1642HI224L001IHL6245_us-gaap_CommonStockValueOutstanding"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="loc_0488I88J48KI_us-gaap_TreasuryStockValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_TreasuryStockValue" xml:lang="en-US">Treasury Stock, Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_2600K00L60MK_us-gaap_TreasuryStockValue" xml:lang="en-US">Treasury stock: 4,714 common shares, at cost</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_TreasuryStockValue" xlink:to="lab_2600K00L60MK_us-gaap_TreasuryStockValue"/>
<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_9420FG002J889GFJ4023_us-gaap_RetainedEarningsAccumulatedDeficit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained earnings</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Beginning Balance</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Ending Balance</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="lab_1642HI224L001IHL6245_us-gaap_RetainedEarningsAccumulatedDeficit"/>
<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_0488I88J48KI_us-gaap_StockholdersEquity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_StockholdersEquity" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_LiabilitiesAndStockholdersEquity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PreferredStockNoParValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PreferredStockNoParValue" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_PreferredStockSharesAuthorized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_PreferredStockSharesAuthorized" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PreferredStockSharesIssued"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PreferredStockSharesIssued" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_CommonStockNoParValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_CommonStockNoParValue" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_CommonStockSharesAuthorized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_CommonStockSharesAuthorized" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_CommonStockSharesIssued"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_CommonStockSharesIssued" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_CommonStockSharesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_CommonStockSharesOutstanding" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_TreasuryStockShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_TreasuryStockShares" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_IncomeStatementAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_IncomeStatementAbstract" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_RevenuesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_RevenuesAbstract" xml:lang="en-US">Revenue:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_RevenuesAbstract" xlink:to="lab_1642HI224L001IHL6245_us-gaap_RevenuesAbstract"/>
<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_0488I88J48KI_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xml:lang="en-US">Interest and fee income on finance receivables</label>
<label xlink:type="resource" xlink:label="lab_2600K00L60MK_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US">Total revenue</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_OperatingExpensesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_OperatingExpensesAbstract" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_MarketingExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_MarketingExpense" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_LaborAndRelatedExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_LaborAndRelatedExpense" xlink:to="lab_1642HI224L001IHL6245_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_GeneralAndAdministrativeExpense" xlink:label="loc_0488I88J48KI_us-gaap_GeneralAndAdministrativeExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_GeneralAndAdministrativeExpense" xml:lang="en-US">General and Administrative Expense</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_GeneralAndAdministrativeExpense" xml:lang="en-US">Administrative</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_GeneralAndAdministrativeExpense" xlink:to="lab_2600K00L60MK_us-gaap_GeneralAndAdministrativeExpense"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_ProvisionForLoanLeaseAndOtherLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_ProvisionForLoanLeaseAndOtherLosses" xml:lang="en-US">Provision for Loan, Lease, and Other Losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_ProvisionForLoanLeaseAndOtherLosses" xml:lang="en-US">Provision for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_ProvisionForLoanLeaseAndOtherLosses" xml:lang="en-US">Provision for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_ProvisionForLoanLeaseAndOtherLosses" xml:lang="en-US">Provision for credit losses</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:to="lab_1642HI224L001IHL6245_us-gaap_ProvisionForLoanLeaseAndOtherLosses"/>
<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_0488I88J48KI_us-gaap_DepreciationNonproduction"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_DepreciationNonproduction" xml:lang="en-US">Depreciation, Nonproduction</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_DepreciationNonproduction" xml:lang="en-US">Depreciation</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_DepreciationNonproduction" xlink:to="lab_2600K00L60MK_us-gaap_DepreciationNonproduction"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_InterestExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_InterestExpense" xml:lang="en-US">Interest expense</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_InterestExpense" xlink:to="lab_1642HI224L001IHL6245_us-gaap_InterestExpense"/>
<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_0488I88J48KI_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xml:lang="en-US">Change in fair value of interest rate swap agreements</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_2600K00L60MK_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xml:lang="en-US">Periodic change in fair value of interest rate swap agreements</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xlink:to="lab_2600K00L60MK_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1"/>
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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_0488I88J48KI_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Operating income before income taxes</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income tax expense</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_IncomeTaxExpenseBenefit" xlink:to="lab_1642HI224L001IHL6245_us-gaap_IncomeTaxExpenseBenefit"/>
<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_0488I88J48KI_us-gaap_NetIncomeLoss"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_us-gaap_NetIncomeLoss" xml:lang="en-US">Numerator for earnings per share - net income</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_NetIncomeLoss" xlink:to="lab_2600K00L60MK_us-gaap_NetIncomeLoss"/>
<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_9420FG002J889GFJ4023_us-gaap_EarningsPerShareAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_EarningsPerShareBasic"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Earnings per share - basic (in dollars per share)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_EarningsPerShareBasic" xlink:to="lab_2600K00L60MK_us-gaap_EarningsPerShareBasic"/>
<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_9420FG002J889GFJ4023_us-gaap_EarningsPerShareDiluted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Diluted earnings per share (in dollars per share)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Diluted (in dollars per share)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Earnings per share - diluted (in dollars per share)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_EarningsPerShareDiluted" xlink:to="lab_1642HI224L001IHL6245_us-gaap_EarningsPerShareDiluted"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_StatementOfStockholdersEquityAbstract" xml:lang="en-US">Statement Of Stockholders' Equity [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_StatementOfStockholdersEquityAbstract" xml:lang="en-US">Consolidated Statements of Shareholders' Equity</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="lab_2600K00L60MK_us-gaap_StatementOfStockholdersEquityAbstract"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_StatementTable" xml:lang="en-US">Statement [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_StatementTable" xlink:to="lab_1642HI224L001IHL6245_us-gaap_StatementTable"/>
<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_0488I88J48KI_us-gaap_StatementEquityComponentsAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_StatementEquityComponentsAxis" xml:lang="en-US">Equity Components [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_StatementEquityComponentsAxis" xml:lang="en-US">Equity Components [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_StatementEquityComponentsAxis" xlink:to="lab_2600K00L60MK_us-gaap_StatementEquityComponentsAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_CommonStockMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_CommonStockMember" xml:lang="en-US">Common Stock [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_CommonStockMember" xml:lang="en-US">Common Stock</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_CommonStockMember" xlink:to="lab_1642HI224L001IHL6245_us-gaap_CommonStockMember"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_TreasuryStockMember" xlink:label="loc_0488I88J48KI_us-gaap_TreasuryStockMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_TreasuryStockMember" xml:lang="en-US">Treasury Stock [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_2600K00L60MK_us-gaap_TreasuryStockMember" xml:lang="en-US">Treasury Stock</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_TreasuryStockMember" xlink:to="lab_2600K00L60MK_us-gaap_TreasuryStockMember"/>
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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_EquityComponentDomain" xlink:label="loc_0488I88J48KI_us-gaap_EquityComponentDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_EquityComponentDomain" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_StatementLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_StatementLineItems" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:to="lab_2600K00L60MK_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_SharesOutstanding" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:to="lab_2600K00L60MK_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_IncomeTaxDeficiencyFromShareAwards" xlink:label="loc_9420FG002J889GFJ4023_nick_IncomeTaxDeficiencyFromShareAwards"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_IncomeTaxDeficiencyFromShareAwards" xml:lang="en-US">Income Tax Deficiency From Share Awards</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_IncomeTaxDeficiencyFromShareAwards" xml:lang="en-US">Tax deficiency on share awards</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_IncomeTaxDeficiencyFromShareAwards" xml:lang="en-US">Vested performance share awards (in shares)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_IncomeTaxDeficiencyFromShareAwards" xml:lang="en-US">Represents income tax deficiency from share awards.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_1642HI224L001IHL6245_nick_IncomeTaxDeficiencyFromShareAwards" xml:lang="en-US">Tax deficiency on share awards</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_IncomeTaxDeficiencyFromShareAwards" xlink:to="lab_1642HI224L001IHL6245_nick_IncomeTaxDeficiencyFromShareAwards"/>
<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_0488I88J48KI_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense" xml:lang="en-US">Excess tax benefit on share awards</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationGross" xlink:to="lab_1642HI224L001IHL6245_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_StockRepurchasedDuringPeriodValue" xlink:label="loc_0488I88J48KI_us-gaap_StockRepurchasedDuringPeriodValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_StockRepurchasedDuringPeriodValue" xml:lang="en-US">Common shares purchased</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_2600K00L60MK_us-gaap_StockRepurchasedDuringPeriodValue" 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_0488I88J48KI_us-gaap_StockRepurchasedDuringPeriodValue" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_StockRepurchasedDuringPeriodShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_StockRepurchasedDuringPeriodShares" xml:lang="en-US">Common shares purchased (in shares)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_StockRepurchasedDuringPeriodShares" 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_9420FG002J889GFJ4023_us-gaap_StockRepurchasedDuringPeriodShares" xlink:to="lab_1642HI224L001IHL6245_us-gaap_StockRepurchasedDuringPeriodShares"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_AdditionalTenderOfferCost" xlink:label="loc_0488I88J48KI_nick_AdditionalTenderOfferCost"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_AdditionalTenderOfferCost" xml:lang="en-US">Additional Tender Offer Cost</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_nick_AdditionalTenderOfferCost" xml:lang="en-US">Represent additional tender offer cost.</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_2600K00L60MK_nick_AdditionalTenderOfferCost" 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_0488I88J48KI_nick_AdditionalTenderOfferCost" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_StatementOfCashFlowsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="lab_2600K00L60MK_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_AssetImpairmentCharges" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_AssetImpairmentCharges"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_AssetImpairmentCharges" xml:lang="en-US">Asset Impairment Charges</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_AssetImpairmentCharges" xml:lang="en-US">Impairment loss on property and equipment</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_AssetImpairmentCharges" xlink:to="lab_1642HI224L001IHL6245_us-gaap_AssetImpairmentCharges"/>
<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_0488I88J48KI_us-gaap_AdjustmentForAmortization"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_AdjustmentForAmortization" xlink:to="lab_2600K00L60MK_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_AmortizationOfDeferredSalesCommissions" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_AmortizationOfDeferredSalesCommissions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_AmortizationOfDeferredSalesCommissions" xml:lang="en-US">Amortization of Deferred Sales Commissions</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_AmortizationOfDeferredSalesCommissions" xml:lang="en-US">Amortization of commission for products</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_AmortizationOfDeferredSalesCommissions" xlink:to="lab_1642HI224L001IHL6245_us-gaap_AmortizationOfDeferredSalesCommissions"/>
<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_0488I88J48KI_us-gaap_DeferredIncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensation"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensation" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:to="lab_2600K00L60MK_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" xlink:label="loc_9420FG002J889GFJ4023_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" xml:lang="en-US">Increase Decrease In Income Taxes Receivable And Payable</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" xml:lang="en-US">Income taxes receivable</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" 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 taxes 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>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_1642HI224L001IHL6245_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" xml:lang="en-US">Income taxes receivable/payable</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable" xlink:to="lab_1642HI224L001IHL6245_nick_IncreaseDecreaseInIncomeTaxesReceivableAndPayable"/>
<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_0488I88J48KI_us-gaap_IncreaseDecreaseInDeferredRevenue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_IncreaseDecreaseInDeferredRevenue" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:to="lab_2600K00L60MK_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PurchaseAndOriginationOfFinanceContracts" xlink:label="loc_9420FG002J889GFJ4023_nick_PurchaseAndOriginationOfFinanceContracts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_PurchaseAndOriginationOfFinanceContracts" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:to="lab_2600K00L60MK_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_IncreaseInAssetsHeldForResale" xlink:label="loc_9420FG002J889GFJ4023_nick_IncreaseInAssetsHeldForResale"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_IncreaseInAssetsHeldForResale" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit" xlink:to="lab_2600K00L60MK_us-gaap_ProceedsFromRepaymentsOfLinesOfCredit"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_IncreaseDecreaseInDraftsPayable" xlink:label="loc_9420FG002J889GFJ4023_nick_IncreaseDecreaseInDraftsPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_nick_IncreaseDecreaseInDraftsPayable" xml:lang="en-US">Increase (decrease) in drafts payable</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_IncreaseDecreaseInDraftsPayable" xlink:to="lab_1642HI224L001IHL6245_nick_IncreaseDecreaseInDraftsPayable"/>
<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_0488I88J48KI_us-gaap_PaymentsOfDebtIssuanceCosts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PaymentsOfDebtIssuanceCosts" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ProceedsFromStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ProceedsFromStockOptionsExercised" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xml:lang="en-US">Excess tax benefits of stock options</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_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="loc_0488I88J48KI_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_AccountingPoliciesAbstract" xml:lang="en-US">Accounting Policies [Abstract]</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_ReceivablesAbstract" xml:lang="en-US">Receivables [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_PropertyPlantAndEquipmentAbstract" xlink:label="loc_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentAbstract"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_LineOfCreditFacilityAbstract" xml:lang="en-US">Line Of Credit Facility [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_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_DebtDisclosureTextBlock" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_DebtDisclosureTextBlock"/>
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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_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="loc_0488I88J48KI_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
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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_IncomeTaxDisclosureTextBlock" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_IncomeTaxDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_IncomeTaxDisclosureTextBlock" xml:lang="en-US">Income Tax Disclosure [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_IncomeTaxDisclosureTextBlock" xml:lang="en-US">Income Taxes</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_IncomeTaxDisclosureTextBlock" xlink:to="lab_1642HI224L001IHL6245_us-gaap_IncomeTaxDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:label="loc_0488I88J48KI_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xml:lang="en-US">Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xml:lang="en-US">Disclosure of Compensation Related Costs, Share-based Payments [Abstract]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:to="lab_2600K00L60MK_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xml:lang="en-US">Disclosure Of Compensation Related Costs, Share-Based Payments [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" 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_9420FG002J889GFJ4023_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EmployeeBenefitsAndShareBasedCompensationAbstract" xlink:label="loc_0488I88J48KI_us-gaap_EmployeeBenefitsAndShareBasedCompensationAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_EmployeeBenefitsAndShareBasedCompensationAbstract" xml:lang="en-US">Employee Benefits and Share-Based Compensation [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_EmployeeBenefitsAndShareBasedCompensationAbstract" xml:lang="en-US">Employee Benefits and Share-based Compensation [Abstract]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_EmployeeBenefitsAndShareBasedCompensationAbstract" xlink:to="lab_2600K00L60MK_us-gaap_EmployeeBenefitsAndShareBasedCompensationAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xml:lang="en-US">Compensation and Employee Benefit Plans [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xml:lang="en-US">Employee Benefit Plans</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:to="lab_1642HI224L001IHL6245_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_0488I88J48KI_us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:to="lab_2600K00L60MK_us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" 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_9420FG002J889GFJ4023_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_1642HI224L001IHL6245_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_QuarterlyFinancialDataAbstract" xlink:label="loc_0488I88J48KI_us-gaap_QuarterlyFinancialDataAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_QuarterlyFinancialDataAbstract" xml:lang="en-US">Quarterly Financial Data [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_QuarterlyFinancialDataAbstract" xml:lang="en-US">Quarterly Financial Data [Abstract]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_QuarterlyFinancialDataAbstract" xlink:to="lab_2600K00L60MK_us-gaap_QuarterlyFinancialDataAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_QuarterlyFinancialInformationTextBlock" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_QuarterlyFinancialInformationTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_QuarterlyFinancialInformationTextBlock" xml:lang="en-US">Quarterly Financial Information [Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_QuarterlyFinancialInformationTextBlock" xml:lang="en-US">Quarterly Results of Operations (Unaudited)</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:to="lab_1642HI224L001IHL6245_us-gaap_QuarterlyFinancialInformationTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:label="loc_0488I88J48KI_us-gaap_ConsolidationPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_ConsolidationPolicyTextBlock" xml:lang="en-US">Consolidation, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_ConsolidationPolicyTextBlock" xml:lang="en-US">Consolidation</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_ConsolidationPolicyTextBlock" xlink:to="lab_2600K00L60MK_us-gaap_ConsolidationPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_TenderOfferPolicyTextBlock" xlink:label="loc_9420FG002J889GFJ4023_nick_TenderOfferPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_TenderOfferPolicyTextBlock" xml:lang="en-US">Tender Offer [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_TenderOfferPolicyTextBlock" xml:lang="en-US">Tender Offer</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_TenderOfferPolicyTextBlock" xml:lang="en-US">Disclosure of policy text block for tender offer.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_TenderOfferPolicyTextBlock" xlink:to="lab_1642HI224L001IHL6245_nick_TenderOfferPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_UseOfEstimates" xlink:label="loc_0488I88J48KI_us-gaap_UseOfEstimates"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_UseOfEstimates" xml:lang="en-US">Use Of Estimates, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_UseOfEstimates" xml:lang="en-US">Use of Estimates</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_UseOfEstimates" xlink:to="lab_2600K00L60MK_us-gaap_UseOfEstimates"/>
<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_9420FG002J889GFJ4023_us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xml:lang="en-US">Finance, Loans and Leases Receivable, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xml:lang="en-US">Finance Receivables</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:to="lab_1642HI224L001IHL6245_us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts" xlink:label="loc_0488I88J48KI_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Policy for Uncollectible Amounts [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts" 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_0488I88J48KI_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts" xlink:to="lab_2600K00L60MK_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_AssetsHeldForResalePolicyTextBlock" xlink:label="loc_9420FG002J889GFJ4023_nick_AssetsHeldForResalePolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_AssetsHeldForResalePolicyTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="lab_2600K00L60MK_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_DraftPayablePolicyTextBlock" xlink:label="loc_9420FG002J889GFJ4023_nick_DraftPayablePolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_DraftPayablePolicyTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_IncomeTaxPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_IncomeTaxPolicyTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_RevenueRecognitionPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_RevenueRecognitionPolicyTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_EarningsPerSharePolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:to="lab_2600K00L60MK_us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" xlink:label="loc_9420FG002J889GFJ4023_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_nick_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock" xml:lang="en-US">Disclosure of accounting policy for concentration of credit risk and determining the fair value of financial instruments.</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_DerivativesPolicyTextBlock" xlink:label="loc_0488I88J48KI_us-gaap_DerivativesPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_DerivativesPolicyTextBlock" xml:lang="en-US">Interest Rate Swap Agreements</label>
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<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_StatementOfCashFlowPolicyTextBlock" xlink:label="loc_9420FG002J889GFJ4023_nick_StatementOfCashFlowPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_nick_StatementOfCashFlowPolicyTextBlock" xml:lang="en-US">Disclosure of accounting policy for regarding statement of cash flow.</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_PriorPeriodReclassificationAdjustmentDescription" xlink:label="loc_0488I88J48KI_us-gaap_PriorPeriodReclassificationAdjustmentDescription"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xml:lang="en-US">Reclassification, Policy [Policy Text Block]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xml:lang="en-US">Reclassifications</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:to="lab_2600K00L60MK_us-gaap_PriorPeriodReclassificationAdjustmentDescription"/>
<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_9420FG002J889GFJ4023_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="lab_1642HI224L001IHL6245_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" xlink:label="loc_0488I88J48KI_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_CustomerContractsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_CustomerContractsMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ConsumerLoanMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ConsumerLoanMember" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_AccountsNotesAndLoansReceivableLineItems" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="lab_1642HI224L001IHL6245_us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
<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_0488I88J48KI_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xml:lang="en-US">Schedule of finance receivables</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:to="lab_2600K00L60MK_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
<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_9420FG002J889GFJ4023_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="lab_2600K00L60MK_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" xlink:label="loc_9420FG002J889GFJ4023_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:to="lab_1642HI224L001IHL6245_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" xlink:label="loc_0488I88J48KI_nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_ScheduleOfAverageVariableRatesReceivedAndAverageFixedRatesPaidUnderSwapAgreementsTableTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:to="lab_2600K00L60MK_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock"/>
<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_9420FG002J889GFJ4023_us-gaap_NumberOfReportableSegments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_NumberOfReportableSegments" xlink:to="lab_1642HI224L001IHL6245_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_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="loc_0488I88J48KI_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_AutomobilesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_AutomobilesMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_EquipmentMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_EquipmentMember" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FurnitureAndFixturesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FurnitureAndFixturesMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_LeaseholdImprovementsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_LeaseholdImprovementsMember" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_PropertyPlantAndEquipmentLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xlink:to="lab_2600K00L60MK_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_NumeratorAbstract" xlink:label="loc_9420FG002J889GFJ4023_nick_NumeratorAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_NumeratorAbstract" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PreferredStockDividendsAndOtherAdjustments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PreferredStockDividendsAndOtherAdjustments" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" 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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" 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_9420FG002J889GFJ4023_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_EarningsPerShareBasicAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_EarningsPerShareBasicAbstract" xlink:to="lab_2600K00L60MK_us-gaap_EarningsPerShareBasicAbstract"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" xlink:label="loc_9420FG002J889GFJ4023_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities" xlink:to="lab_1642HI224L001IHL6245_nick_WeightedAverageCommonSharesOutstandingIncludingSharesConsideredParticipatingSecurities"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_WeightedAverageParticipatingSecuritiesOutstanding" xlink:label="loc_0488I88J48KI_nick_WeightedAverageParticipatingSecuritiesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_WeightedAverageParticipatingSecuritiesOutstanding" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xml:lang="en-US">Weighted average shares of common stock</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_EarningsPerShareDilutedAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_EarningsPerShareDilutedAbstract" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_UndistributedEarningsDiluted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_UndistributedEarningsDiluted" xlink:to="lab_1642HI224L001IHL6245_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_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:label="loc_0488I88J48KI_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Diluted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xml:lang="en-US">Numerator for diluted earnings per share</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:to="lab_2600K00L60MK_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
<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_9420FG002J889GFJ4023_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="lab_2600K00L60MK_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_SignificantAccountingPoliciesTable" xlink:label="loc_9420FG002J889GFJ4023_nick_SignificantAccountingPoliciesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_SignificantAccountingPoliciesTable" xlink:to="lab_1642HI224L001IHL6245_nick_SignificantAccountingPoliciesTable"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_OfferTypeAxis" xlink:label="loc_0488I88J48KI_nick_OfferTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_OfferTypeAxis" xlink:to="lab_2600K00L60MK_nick_OfferTypeAxis"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_OfferTypeDomain" xlink:label="loc_9420FG002J889GFJ4023_nick_OfferTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_OfferTypeDomain" xlink:to="lab_1642HI224L001IHL6245_nick_OfferTypeDomain"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_TenderOfferMember" xlink:label="loc_0488I88J48KI_nick_TenderOfferMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_TenderOfferMember" xlink:to="lab_2600K00L60MK_nick_TenderOfferMember"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_SignificantAccountingPoliciesLineItems" xlink:label="loc_9420FG002J889GFJ4023_nick_SignificantAccountingPoliciesLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_SignificantAccountingPoliciesLineItems" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="lab_2600K00L60MK_us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfAggregateNumberOfCommonSharesPurchased" xlink:label="loc_9420FG002J889GFJ4023_nick_PercentageOfAggregateNumberOfCommonSharesPurchased"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_PercentageOfAggregateNumberOfCommonSharesPurchased" xlink:to="lab_1642HI224L001IHL6245_nick_PercentageOfAggregateNumberOfCommonSharesPurchased"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_SummaryOfSignificantAccountingPoliciesTable" xlink:label="loc_0488I88J48KI_nick_SummaryOfSignificantAccountingPoliciesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_SummaryOfSignificantAccountingPoliciesTable" xml:lang="en-US">Summary Of Significant Accounting Policies [Table]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_nick_SummaryOfSignificantAccountingPoliciesTable" xml:lang="en-US">Represents Summary of Significant Accounting Policies .</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_nick_SummaryOfSignificantAccountingPoliciesTable" xlink:to="lab_2600K00L60MK_nick_SummaryOfSignificantAccountingPoliciesTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AwardTypeAxis" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_AwardTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_AwardTypeAxis" xml:lang="en-US">Award Type [Axis]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_AwardTypeAxis" xml:lang="en-US">Award Type [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_AwardTypeAxis" xlink:to="lab_1642HI224L001IHL6245_us-gaap_AwardTypeAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:label="loc_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xml:lang="en-US">Equity Award [Domain]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xml:lang="en-US">Award Type [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="lab_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>




<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_0488I88J48KI_us-gaap_RestrictedStockMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_RestrictedStockMember" xlink:to="lab_2600K00L60MK_us-gaap_RestrictedStockMember"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_SummaryOfSignificantAccountingPoliciesLineItems" xlink:label="loc_9420FG002J889GFJ4023_nick_SummaryOfSignificantAccountingPoliciesLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_SummaryOfSignificantAccountingPoliciesLineItems" xml:lang="en-US">Summary Of Significant Accounting Policies [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_SummaryOfSignificantAccountingPoliciesLineItems" xml:lang="en-US">Represents Summary of Significant Accounting Policies .</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_SummaryOfSignificantAccountingPoliciesLineItems" xlink:to="lab_1642HI224L001IHL6245_nick_SummaryOfSignificantAccountingPoliciesLineItems"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" xlink:label="loc_0488I88J48KI_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables" xlink:to="lab_2600K00L60MK_nick_DeferredDiscountsInterestAndAllowanceForCreditLossesIncludedInFinancialReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool" xlink:label="loc_9420FG002J889GFJ4023_nick_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool" xml:lang="en-US">Period For Maintaining Historical Write Off Information With Respect To Static Pool</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool" xml:lang="en-US">Period for maintaining historical write off information with respect to static pool</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool" xml:lang="en-US">Period for maintaining historical write off information with respect to static pool.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool" xlink:to="lab_1642HI224L001IHL6245_nick_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfReceivableInterestDiscount" xlink:label="loc_0488I88J48KI_nick_PercentageOfReceivableInterestDiscount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_PercentageOfReceivableInterestDiscount" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_IncomeTaxesPaid"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_IncomeTaxesPaid" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_InterestPaidNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_InterestPaidNet" xlink:to="lab_2600K00L60MK_us-gaap_InterestPaidNet"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses" xlink:label="loc_9420FG002J889GFJ4023_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses" xml:lang="en-US">Percentage Of Liquidation Level Assist In Determining Allowance For Credit Losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses" xml:lang="en-US">Percentage of liquidation level assist in determining allowance for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses" xml:lang="en-US">Represents Percentage of liquidation level assist in determining allowance for credit losses.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses" xlink:to="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne" xlink:label="loc_0488I88J48KI_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne" xml:lang="en-US">Percentage Of Liquidation Level Assist In Determining Allowance For Credit Losses One</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne" xml:lang="en-US">Percentage of liquidation level assist in determining allowance for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne" xml:lang="en-US">Represents Percentage of liquidation level assist in determining allowance for credit losses .</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne" xlink:to="lab_2600K00L60MK_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo" xlink:label="loc_9420FG002J889GFJ4023_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo" xml:lang="en-US">Percentage Of Liquidation Level Assist In Determining Allowance For Credit Losses Two</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo" xml:lang="en-US">Percentage of liquidation level assist in determining allowance for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo" xml:lang="en-US">Represents Percentage of liquidation level assist in determining allowance for credit losses.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo" xlink:to="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree" xlink:label="loc_0488I88J48KI_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree" xml:lang="en-US">Percentage Of Liquidation Level Assist In Determining Allowance For Credit Losses Three</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree" xml:lang="en-US">Percentage of liquidation level assist in determining allowance for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree" xml:lang="en-US">Represents Percentage of liquidation level assist in determining allowance for credit losses.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree" xlink:to="lab_2600K00L60MK_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour" xlink:label="loc_9420FG002J889GFJ4023_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour" xml:lang="en-US">Percentage Of Liquidation Level Assist In Determining Allowance For Credit Losses Four</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour" xml:lang="en-US">Percentage of liquidation level assist in determining allowance for credit losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour" xml:lang="en-US">Represents Percentage of liquidation level assist in determining allowance for credit losses.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour" xlink:to="lab_1642HI224L001IHL6245_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfAllowancesIncreasedOfPrincipalAmount" xlink:label="loc_0488I88J48KI_nick_PercentageOfAllowancesIncreasedOfPrincipalAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_PercentageOfAllowancesIncreasedOfPrincipalAmount" xml:lang="en-US">Percentage Of Allowances Increased Of Principal Amount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_nick_PercentageOfAllowancesIncreasedOfPrincipalAmount" xml:lang="en-US">Percentage of allowances increased of principal amount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_nick_PercentageOfAllowancesIncreasedOfPrincipalAmount" xml:lang="en-US">Represents percentage of allowances increased of principal amount .</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_nick_PercentageOfAllowancesIncreasedOfPrincipalAmount" xlink:to="lab_2600K00L60MK_nick_PercentageOfAllowancesIncreasedOfPrincipalAmount"/>
<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_9420FG002J889GFJ4023_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_AntidilutiveSecuritiesNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_AntidilutiveSecuritiesNameDomain" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_EmployeeStockOptionMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_EmployeeStockOptionMember" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ConcentrationRiskByBenchmarkAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ConcentrationRiskBenchmarkDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ConcentrationRiskBenchmarkDomain" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FinanceReceivablesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FinanceReceivablesMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_StatementGeographicalAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_StatementGeographicalAxis" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_SegmentGeographicalDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_SegmentGeographicalDomain" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_stpr_FL"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_stpr_FL" xml:lang="en-US">Florida</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_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_0488I88J48KI_stpr_FL" xlink:to="lab_2600K00L60MK_stpr_FL"/>
<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_OH" xlink:label="loc_9420FG002J889GFJ4023_stpr_OH"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_stpr_OH" xml:lang="en-US">Ohio</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_stpr_OH" xlink:to="lab_1642HI224L001IHL6245_stpr_OH"/>
<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_GA" xlink:label="loc_0488I88J48KI_stpr_GA"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_stpr_GA" xml:lang="en-US">Georgia</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_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_0488I88J48KI_stpr_GA" xlink:to="lab_2600K00L60MK_stpr_GA"/>
<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_NC" xlink:label="loc_9420FG002J889GFJ4023_stpr_NC"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_stpr_NC" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ConcentrationRiskPercentage1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ConcentrationRiskPercentage1" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ConcentrationRiskBenchmarkDescription"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ConcentrationRiskBenchmarkDescription" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_NumberOfStatesInWhichEntityOperates"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_NumberOfStatesInWhichEntityOperates" xlink:to="lab_2600K00L60MK_us-gaap_NumberOfStatesInWhichEntityOperates"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_NumberOfBranches" xlink:label="loc_9420FG002J889GFJ4023_nick_NumberOfBranches"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_NumberOfBranches" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ReceivableTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ReceivableTypeDomain" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_NotesReceivableGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_NotesReceivableGross" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_NotesReceivableNetUnearnedInterest" xlink:label="loc_0488I88J48KI_nick_NotesReceivableNetUnearnedInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_NotesReceivableNetUnearnedInterest" xlink:to="lab_2600K00L60MK_nick_NotesReceivableNetUnearnedInterest"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_UnearnedDiscountIncludedInFinancingReceivables" xlink:label="loc_9420FG002J889GFJ4023_nick_UnearnedDiscountIncludedInFinancingReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_UnearnedDiscountIncludedInFinancingReceivables" xlink:to="lab_1642HI224L001IHL6245_nick_UnearnedDiscountIncludedInFinancingReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" xlink:label="loc_0488I88J48KI_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_FinanceReceivablesNetOfUnearnedInterestAndUnearnedDealerDiscounts" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:to="lab_2600K00L60MK_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" xlink:label="loc_9420FG002J889GFJ4023_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_FinancingReceivableAllowanceForCreditLossesAbsorbed" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:to="lab_2600K00L60MK_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_DirectFinanceReceivablesNetOfUnearnedInterest" xlink:label="loc_9420FG002J889GFJ4023_nick_DirectFinanceReceivablesNetOfUnearnedInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_DirectFinanceReceivablesNetOfUnearnedInterest" xml:lang="en-US">Direct Finance Receivables Net Of Unearned Interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_DirectFinanceReceivablesNetOfUnearnedInterest" xml:lang="en-US">Direct finance receivables, net of unearned interest</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_DirectFinanceReceivablesNetOfUnearnedInterest" xml:lang="en-US">Represents direct finance receivables, net of unearned interest.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_DirectFinanceReceivablesNetOfUnearnedInterest" xlink:to="lab_1642HI224L001IHL6245_nick_DirectFinanceReceivablesNetOfUnearnedInterest"/>
<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_0488I88J48KI_us-gaap_InternalCreditAssessmentAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_InternalCreditAssessmentAxis" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_InternalCreditAssessmentDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_InternalCreditAssessmentDomain" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PerformingFinancingReceivableMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PerformingFinancingReceivableMember" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_NonperformingFinancingReceivableMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_NonperformingFinancingReceivableMember" xlink:to="lab_1642HI224L001IHL6245_us-gaap_NonperformingFinancingReceivableMember"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_BankruptAccountsFinancingReceivableMember" xlink:label="loc_0488I88J48KI_nick_BankruptAccountsFinancingReceivableMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_BankruptAccountsFinancingReceivableMember" xlink:to="lab_2600K00L60MK_nick_BankruptAccountsFinancingReceivableMember"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xlink:label="loc_9420FG002J889GFJ4023_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xml:lang="en-US">Total</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/positiveTerseLabel" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts" xlink:to="lab_1642HI224L001IHL6245_nick_NotesReceivableGrossAmountExcludingChapter13BankruptAccounts"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" xlink:label="loc_0488I88J48KI_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_0488I88J48KI_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="lab_1642HI224L001IHL6245_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>















<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_9420FG002J889GFJ4023_us-gaap_FinancingReceivableRecordedInvestmentPastDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:to="lab_1642HI224L001IHL6245_us-gaap_FinancingReceivableRecordedInvestmentPastDue"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivablePercentPastDue" xlink:label="loc_0488I88J48KI_us-gaap_FinancingReceivablePercentPastDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_FinancingReceivablePercentPastDue" xml:lang="en-US">Financing Receivable, Percent Past Due</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_FinancingReceivablePercentPastDue" xml:lang="en-US">Total (in percentage)</label>

<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_FinancingReceivablePercentPastDue" xlink:to="lab_2600K00L60MK_us-gaap_FinancingReceivablePercentPastDue"/>
<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_9420FG002J889GFJ4023_us-gaap_RangeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_RangeAxis" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_RangeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_RangeMember" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_MinimumMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_MinimumMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_MaximumMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_MaximumMember" xlink:to="lab_2600K00L60MK_us-gaap_MaximumMember"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_InitialTermsOfIndirectFinanceReceivables" xlink:label="loc_9420FG002J889GFJ4023_nick_InitialTermsOfIndirectFinanceReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_InitialTermsOfIndirectFinanceReceivables" xlink:to="lab_1642HI224L001IHL6245_nick_InitialTermsOfIndirectFinanceReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_InitialTermsOfDirectFinanceReceivables" xlink:label="loc_0488I88J48KI_nick_InitialTermsOfDirectFinanceReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_InitialTermsOfDirectFinanceReceivables" xlink:to="lab_2600K00L60MK_nick_InitialTermsOfDirectFinanceReceivables"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_FinanceReceivablesWeightedAverageInterestRate" xlink:label="loc_9420FG002J889GFJ4023_nick_FinanceReceivablesWeightedAverageInterestRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_FinanceReceivablesWeightedAverageInterestRate" xlink:to="lab_1642HI224L001IHL6245_nick_FinanceReceivablesWeightedAverageInterestRate"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_FinanceReceivablesPercentage" xlink:label="loc_0488I88J48KI_nick_FinanceReceivablesPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_FinanceReceivablesPercentage" xlink:to="lab_2600K00L60MK_nick_FinanceReceivablesPercentage"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PerformingAccountCriteriaMaximumPeriod" xlink:label="loc_9420FG002J889GFJ4023_nick_PerformingAccountCriteriaMaximumPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_PerformingAccountCriteriaMaximumPeriod" xlink:to="lab_1642HI224L001IHL6245_nick_PerformingAccountCriteriaMaximumPeriod"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_NonPerformingAccountCriteriaMinimumPeriod" xlink:label="loc_0488I88J48KI_nick_NonPerformingAccountCriteriaMinimumPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_NonPerformingAccountCriteriaMinimumPeriod" xlink:to="lab_2600K00L60MK_nick_NonPerformingAccountCriteriaMinimumPeriod"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PercentageOfPaymentContractuallyForDelinquent" xlink:label="loc_9420FG002J889GFJ4023_nick_PercentageOfPaymentContractuallyForDelinquent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfPaymentContractuallyForDelinquent" xml:lang="en-US">Percentage Of Payment Contractually For Delinquent</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfPaymentContractuallyForDelinquent" xml:lang="en-US">Percentage of payment contractually for delinquent</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_PercentageOfPaymentContractuallyForDelinquent" xml:lang="en-US">Represents percentage of payment contractually for delinquent.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_PercentageOfPaymentContractuallyForDelinquent" xlink:to="lab_1642HI224L001IHL6245_nick_PercentageOfPaymentContractuallyForDelinquent"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_DelinquentAccountCriteriaPeriod" xlink:label="loc_0488I88J48KI_nick_DelinquentAccountCriteriaPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_DelinquentAccountCriteriaPeriod" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_PropertyPlantAndEquipmentGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_PropertyPlantAndEquipmentGross" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="lab_2600K00L60MK_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_AmountOfCapitalizedNewLoanOperatingSystem" xlink:label="loc_9420FG002J889GFJ4023_nick_AmountOfCapitalizedNewLoanOperatingSystem"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_AmountOfCapitalizedNewLoanOperatingSystem" xml:lang="en-US">Amount Of Capitalized New Loan Operating System</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_AmountOfCapitalizedNewLoanOperatingSystem" xml:lang="en-US">Amount of capitalized new loan operating system</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_AmountOfCapitalizedNewLoanOperatingSystem" xml:lang="en-US">Represents amount of capitalization new loan operating system.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_AmountOfCapitalizedNewLoanOperatingSystem" xlink:to="lab_1642HI224L001IHL6245_nick_AmountOfCapitalizedNewLoanOperatingSystem"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ImpairmentChargeOnReclassifiedAssets" xlink:label="loc_0488I88J48KI_us-gaap_ImpairmentChargeOnReclassifiedAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_ImpairmentChargeOnReclassifiedAssets" xml:lang="en-US">Impairment Charge on Reclassified Assets</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_ImpairmentChargeOnReclassifiedAssets" xml:lang="en-US">Impairment charge</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_ImpairmentChargeOnReclassifiedAssets" xlink:to="lab_2600K00L60MK_us-gaap_ImpairmentChargeOnReclassifiedAssets"/>
<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_9420FG002J889GFJ4023_us-gaap_LineOfCreditFacilityTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_LineOfCreditFacilityTable" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_CreditFacilityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_CreditFacilityAxis" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_CreditFacilityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_CreditFacilityDomain" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_LineOfCreditMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_LineOfCreditMember" xlink:to="lab_2600K00L60MK_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_SubsequentEventTypeDomain" xlink:label="loc_0488I88J48KI_us-gaap_SubsequentEventTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_SubsequentEventTypeDomain" xml:lang="en-US">Subsequent Event Type [Domain]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_SubsequentEventTypeDomain" xlink:to="lab_2600K00L60MK_us-gaap_SubsequentEventTypeDomain"/>




<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_0488I88J48KI_us-gaap_LineOfCreditFacilityLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_LineOfCreditFacilityLineItems" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DebtInstrumentDescriptionOfVariableRateBasis"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_LineOfCreditFacilityFloorRate" xlink:label="loc_0488I88J48KI_nick_LineOfCreditFacilityFloorRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_LineOfCreditFacilityFloorRate" xml:lang="en-US">Line Of Credit Facility Floor Rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_nick_LineOfCreditFacilityFloorRate" xml:lang="en-US">Line of credit facility, floor rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_nick_LineOfCreditFacilityFloorRate" xml:lang="en-US">Represents the floor rate related to line of credit facility.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_nick_LineOfCreditFacilityFloorRate" xlink:to="lab_2600K00L60MK_nick_LineOfCreditFacilityFloorRate"/>
<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_9420FG002J889GFJ4023_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" xlink:to="lab_1642HI224L001IHL6245_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd"/>












<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PeriodicSettlementsIncludedInInterestExpense" xlink:label="loc_9420FG002J889GFJ4023_nick_PeriodicSettlementsIncludedInInterestExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_nick_PeriodicSettlementsIncludedInInterestExpense" xml:lang="en-US">Periodic settlement differentials included in interest expense</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_PeriodicSettlementsIncludedInInterestExpense" xlink:to="lab_1642HI224L001IHL6245_nick_PeriodicSettlementsIncludedInInterestExpense"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_PreTaxIncomeLossGainRecognizedInIncome" xlink:label="loc_0488I88J48KI_nick_PreTaxIncomeLossGainRecognizedInIncome"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_nick_PreTaxIncomeLossGainRecognizedInIncome" xml:lang="en-US">Gain (loss) recognized in income</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_nick_PreTaxIncomeLossGainRecognizedInIncome" xml:lang="en-US">Loss recognized in income</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_nick_PreTaxIncomeLossGainRecognizedInIncome" xlink:to="lab_2600K00L60MK_nick_PreTaxIncomeLossGainRecognizedInIncome"/>
<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_9420FG002J889GFJ4023_us-gaap_DerivativeTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DerivativeTable" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_DerivativeInstrumentRiskAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_DerivativeInstrumentRiskAxis" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DerivativeContractTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DerivativeContractTypeDomain" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_InterestRateSwapMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_InterestRateSwapMember" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DerivativeLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DerivativeLineItems" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DerivativeLineItems"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_DerivativeAverageVariableInterestRateReceived" xlink:label="loc_0488I88J48KI_nick_DerivativeAverageVariableInterestRateReceived"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_DerivativeAverageVariableInterestRateReceived" xlink:to="lab_2600K00L60MK_nick_DerivativeAverageVariableInterestRateReceived"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_DerivativeAverageFixedInterestRatePaid" xlink:label="loc_9420FG002J889GFJ4023_nick_DerivativeAverageFixedInterestRatePaid"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_DerivativeAverageFixedInterestRatePaid" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DerivativesFairValueLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DerivativesFairValueLineItems" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_NumberOfInterestRateDerivativesHeld"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_NumberOfInterestRateDerivativesHeld" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DerivativeTermOfContract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DerivativeTermOfContract" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DerivativeTermOfContract"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_DerivativeDescriptionOfVariableRateBasisTwo" xlink:label="loc_0488I88J48KI_nick_DerivativeDescriptionOfVariableRateBasisTwo"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_nick_DerivativeDescriptionOfVariableRateBasisTwo" xml:lang="en-US">Description of variable rate of the interest rate</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_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>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_nick_DerivativeDescriptionOfVariableRateBasisTwo" xlink:to="lab_2600K00L60MK_nick_DerivativeDescriptionOfVariableRateBasisTwo"/>
<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:label="loc_9420FG002J889GFJ4023_invest_DerivativeNotionalAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_invest_DerivativeNotionalAmount" xml:lang="en-US">Notional amounts at end of year</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_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="loc_0488I88J48KI_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FairValueByMeasurementFrequencyAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValueMeasurementFrequencyDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueMeasurementFrequencyDomain" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FairValueMeasurementsRecurringMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FairValueMeasurementsRecurringMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValueInputsLevel1Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueInputsLevel1Member" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_FairValueInputsLevel2Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_FairValueInputsLevel2Member" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValueInputsLevel3Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueInputsLevel3Member" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_2600K00L60MK_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_InterestRateDerivativeAssetsAtFairValue" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_InterestRateDerivativeAssetsAtFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_InterestRateDerivativeAssetsAtFairValue" xml:lang="en-US">Interest Rate Derivative Assets, at Fair Value</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_InterestRateDerivativeAssetsAtFairValue" xml:lang="en-US">Interest rate swap agreements - asset</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_InterestRateDerivativeAssetsAtFairValue" xlink:to="lab_1642HI224L001IHL6245_us-gaap_InterestRateDerivativeAssetsAtFairValue"/>
<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_0488I88J48KI_us-gaap_FairValueByBalanceSheetGroupingTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_NotesReceivableFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_NotesReceivableFairValueDisclosure" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_LinesOfCreditFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_LinesOfCreditFairValueDisclosure" xlink:to="lab_1642HI224L001IHL6245_us-gaap_LinesOfCreditFairValueDisclosure"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_FinancialInstrumentsNotMeasuredAtFairValueTable" xlink:label="loc_0488I88J48KI_nick_FinancialInstrumentsNotMeasuredAtFairValueTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_nick_FinancialInstrumentsNotMeasuredAtFairValueTable" xml:lang="en-US">Financial Instruments Not Measured At Fair Value [Table]</label>
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<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_InitialTermsOfFinanceReceivables" xlink:label="loc_0488I88J48KI_nick_InitialTermsOfFinanceReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_InitialTermsOfFinanceReceivables" xml:lang="en-US">Initial Terms Of Finance Receivables</label>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_nick_InitialTermsOfFinanceReceivables" xml:lang="en-US">This item represents initial term 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_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xml:lang="en-US">Current:</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_CurrentFederalTaxExpenseBenefit" xlink:label="loc_0488I88J48KI_us-gaap_CurrentFederalTaxExpenseBenefit"/>
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<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_CurrentFederalTaxExpenseBenefit" xml:lang="en-US">Federal</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_CurrentStateAndLocalTaxExpenseBenefit" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_CurrentIncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_CurrentIncomeTaxExpenseBenefit" xml:lang="en-US">Current Income Tax Expense (Benefit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_CurrentIncomeTaxExpenseBenefit" xml:lang="en-US">Current Income Tax Expense (Benefit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_2600K00L60MK_us-gaap_CurrentIncomeTaxExpenseBenefit" xml:lang="en-US">Total current</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="lab_2600K00L60MK_us-gaap_CurrentIncomeTaxExpenseBenefit"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xml:lang="en-US">Deferred Income Tax Expense (Benefit), Continuing Operations [Abstract]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xml:lang="en-US">Deferred:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:label="loc_0488I88J48KI_us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xml:lang="en-US">Deferred Federal Income Tax Expense (Benefit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xml:lang="en-US">Federal</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:to="lab_2600K00L60MK_us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xml:lang="en-US">Deferred State and Local Income Tax Expense (Benefit)</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xml:lang="en-US">State</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
<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_0488I88J48KI_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xml:lang="en-US">Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision For Loan Losses</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xml:lang="en-US">Allowance for credit losses not currently deductible for tax purposes</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:to="lab_2600K00L60MK_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
<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_9420FG002J889GFJ4023_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xml:lang="en-US">Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Share-Based Compensation Cost</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" 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_9420FG002J889GFJ4023_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost"/>
<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_0488I88J48KI_us-gaap_DeferredTaxAssetsDerivativeInstruments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_DeferredTaxAssetsDerivativeInstruments" 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_0488I88J48KI_us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:to="lab_2600K00L60MK_us-gaap_DeferredTaxAssetsDerivativeInstruments"/>
<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_9420FG002J889GFJ4023_us-gaap_DeferredTaxAssetsOther"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DeferredTaxAssetsOther" xml:lang="en-US">Deferred Tax Assets, Other</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_DeferredTaxAssetsOther" xml:lang="en-US">Other items</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_DeferredTaxAssetsOther" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DeferredTaxAssetsOther"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:label="loc_0488I88J48KI_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xml:lang="en-US">Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xml:lang="en-US">Provision for income taxes at Federal statutory rate</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:to="lab_2600K00L60MK_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
<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_9420FG002J889GFJ4023_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xml:lang="en-US">Increase (decrease) resulting from:</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:to="lab_1642HI224L001IHL6245_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:label="loc_0488I88J48KI_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xml:lang="en-US">State income taxes, net of Federal benefit</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:to="lab_2600K00L60MK_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" xlink:label="loc_9420FG002J889GFJ4023_nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" xml:lang="en-US">Effective Income Tax Rate Reconciliation Nondeductible Expense Transaction Cost</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" xml:lang="en-US">Transaction costs</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" xml:lang="en-US">Represents information about non-deductible transaction costs.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost" xlink:to="lab_1642HI224L001IHL6245_nick_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseTransactionCost"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:label="loc_0488I88J48KI_us-gaap_IncomeTaxReconciliationOtherAdjustments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_IncomeTaxReconciliationOtherAdjustments" xml:lang="en-US">Income Tax Reconciliation, Other Adjustments</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_us-gaap_IncomeTaxReconciliationOtherAdjustments" xml:lang="en-US">Other</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:to="lab_2600K00L60MK_us-gaap_IncomeTaxReconciliationOtherAdjustments"/>
<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_9420FG002J889GFJ4023_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xml:lang="en-US">Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xml:lang="en-US">Income tax rate</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:to="lab_1642HI224L001IHL6245_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
<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_0488I88J48KI_us-gaap_IncomeTaxReconciliationNondeductibleExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_IncomeTaxReconciliationNondeductibleExpense" xml:lang="en-US">Non-deductible expenses</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_IncomeTaxReconciliationNondeductibleExpense" xlink:to="lab_2600K00L60MK_us-gaap_IncomeTaxReconciliationNondeductibleExpense"/>
<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_9420FG002J889GFJ4023_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xml:lang="en-US">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="lab_1642HI224L001IHL6245_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="loc_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_PlanNameAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_PlanNameAxis" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_PlanNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_PlanNameDomain" xlink:to="lab_2600K00L60MK_us-gaap_PlanNameDomain"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_EquityPlansMember" xlink:label="loc_9420FG002J889GFJ4023_nick_EquityPlansMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_EquityPlansMember" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Outstanding at March 31, 2016</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US">Outstanding at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xml:lang="en-US">Exercisable at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Outstanding at March 31, 2016</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US">Outstanding at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xml:lang="en-US">Exercisable at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xml:lang="en-US">Outstanding at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xml:lang="en-US">Exercisable at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xml:lang="en-US">Outstanding at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xml:lang="en-US">Exercisable at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:to="lab_2600K00L60MK_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_EquityIncentivePlanMember" xlink:label="loc_9420FG002J889GFJ4023_nick_EquityIncentivePlanMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_EquityIncentivePlanMember" xlink:to="lab_1642HI224L001IHL6245_nick_EquityIncentivePlanMember"/>
<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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Non-vested at March 31, 2016</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_1642HI224L001IHL6245_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US">Non-vested at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Non-vested at March 31, 2016</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_2600K00L60MK_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Non-vested at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xml:lang="en-US">Non-vested at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested" xml:lang="en-US">Non-vested at March 31, 2017</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested" xlink:to="lab_1642HI224L001IHL6245_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" xlink:label="loc_0488I88J48KI_nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_EmployeeStockOptionPlanAndNonEmployeeDirectorStockOptionPlan2015Member" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_TitleOfIndividualAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_TitleOfIndividualAxis" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_TitleOfIndividualWithRelationshipToEntityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_TitleOfIndividualWithRelationshipToEntityDomain" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DirectorMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DirectorMember" xlink:to="lab_1642HI224L001IHL6245_us-gaap_DirectorMember"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_EmployeesAndDirectorsMember" xlink:label="loc_0488I88J48KI_nick_EmployeesAndDirectorsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_EmployeesAndDirectorsMember" xml:lang="en-US">Employees and Directors [Member]</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_2600K00L60MK_nick_EmployeesAndDirectorsMember" xml:lang="en-US">Employees</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_EmployeesAndDirectorsMember" xlink:to="lab_2600K00L60MK_nick_EmployeesAndDirectorsMember"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_NumberOfShareBasedCompensationPlans" xlink:label="loc_9420FG002J889GFJ4023_nick_NumberOfShareBasedCompensationPlans"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_NumberOfShareBasedCompensationPlans" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsMethodUsed" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:to="lab_1642HI224L001IHL6245_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" xlink:label="loc_0488I88J48KI_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice" xlink:to="lab_2600K00L60MK_nick_ShareBasedCompensationSharesExercisedUnderStockOptionPlansExercisePrice"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" xlink:label="loc_9420FG002J889GFJ4023_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice" xlink:to="lab_1642HI224L001IHL6245_nick_ShareBasedCompensationSharesForfeitedUnderStockOptionPlansExercisePrice"/>




<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_NumberOfShareGrantedEmployeesMaximumAccountReached" xlink:label="loc_9420FG002J889GFJ4023_nick_NumberOfShareGrantedEmployeesMaximumAccountReached"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_nick_NumberOfShareGrantedEmployeesMaximumAccountReached" xml:lang="en-US">Number Of Share Granted Employees Maximum Account Reached</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_1642HI224L001IHL6245_nick_NumberOfShareGrantedEmployeesMaximumAccountReached" xml:lang="en-US">Number of share granted employees maximum account reached</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_1642HI224L001IHL6245_nick_NumberOfShareGrantedEmployeesMaximumAccountReached" xml:lang="en-US">Represents amount of number of share granted employees maximum account reached.</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_nick_NumberOfShareGrantedEmployeesMaximumAccountReached" xlink:to="lab_1642HI224L001IHL6245_nick_NumberOfShareGrantedEmployeesMaximumAccountReached"/>
<loc xlink:type="locator" xlink:href="nick-20170331.xsd#nick_ThresholdLimitOfNumberOfShareGranted" xlink:label="loc_0488I88J48KI_nick_ThresholdLimitOfNumberOfShareGranted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_nick_ThresholdLimitOfNumberOfShareGranted" xml:lang="en-US">Threshold Limit Of Number Of Share Granted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_2600K00L60MK_nick_ThresholdLimitOfNumberOfShareGranted" xml:lang="en-US">Threshold limit of number of share granted</label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_2600K00L60MK_nick_ThresholdLimitOfNumberOfShareGranted" xml:lang="en-US">Represents amount of threshold limit of share granted .</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_nick_ThresholdLimitOfNumberOfShareGranted" xlink:to="lab_2600K00L60MK_nick_ThresholdLimitOfNumberOfShareGranted"/>
<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_9420FG002J889GFJ4023_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xml:lang="en-US">Employee Service Share-based Compensation, Nonvested Awards, 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_2600K00L60MK_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_0488I88J48KI_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_DefinedContributionPlanCostRecognized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_DefinedContributionPlanCostRecognized" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xml:lang="en-US">2018</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xml:lang="en-US">2019</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="lab_1642HI224L001IHL6245_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_0488I88J48KI_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xml:lang="en-US">2020</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_0488I88J48KI_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xml:lang="en-US">2021</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_9420FG002J889GFJ4023_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:to="lab_1642HI224L001IHL6245_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_OperatingLeasesFutureMinimumPaymentsDue" xlink:label="loc_0488I88J48KI_us-gaap_OperatingLeasesFutureMinimumPaymentsDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_2600K00L60MK_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_2600K00L60MK_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_2600K00L60MK_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_0488I88J48KI_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="lab_2600K00L60MK_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_9420FG002J889GFJ4023_us-gaap_LeaseAndRentalExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_LeaseAndRentalExpense" xlink:to="lab_1642HI224L001IHL6245_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_NoninterestExpense" xlink:label="loc_9420FG002J889GFJ4023_us-gaap_NoninterestExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_1642HI224L001IHL6245_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_1642HI224L001IHL6245_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_9420FG002J889GFJ4023_us-gaap_NoninterestExpense" xlink:to="lab_1642HI224L001IHL6245_us-gaap_NoninterestExpense"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis"/>
<label xlink:type="resource" xlink:label="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Measurement Basis [Axis]</label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis" xlink:to="lab_us-gaap_FairValueByMeasurementBasisAxis"/>
<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain"/>
<label xlink:type="resource" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Fair Value Measurement [Domain]</label>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>15
<FILENAME>nick-20170331_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6769094144">
<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, 2017</div></th>
<th class="th"><div>Jun. 06, 2017</div></th>
<th class="th"><div>Sep. 30, 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_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">$ 77.0<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_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>
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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_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Mar. 31,  2017<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">2017<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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<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>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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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</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_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<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_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>
</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:submissionTypeItemType</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_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
</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:centralIndexKeyItemType</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_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>
</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: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_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>
</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_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>
</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:filerCategoryItemType</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_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>
</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: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_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>
</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_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>
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<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>
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<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>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6767800352">
<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, 2017</div></th>
<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_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">$ 2,855<span></span>
</td>
<td class="nump">$ 1,849<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">317,205<span></span>
</td>
<td class="nump">311,837<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">2,453<span></span>
</td>
<td class="nump">2,148<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">674<span></span>
</td>
<td class="nump">977<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">719<span></span>
</td>
<td class="nump">593<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">1,184<span></span>
</td>
<td class="nump">1,290<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_DerivativeAssetsCurrent', window );">Interest rate swap agreements</a></td>
<td class="nump">17<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_DeferredTaxAssetsNet', window );">Deferred income taxes</a></td>
<td class="nump">8,505<span></span>
</td>
<td class="nump">6,615<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_Assets', window );">Total assets</a></td>
<td class="nump">333,612<span></span>
</td>
<td class="nump">325,309<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_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="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">213,000<span></span>
</td>
<td class="nump">211,000<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_DraftsPayable', window );">Drafts payable</a></td>
<td class="nump">1,851<span></span>
</td>
<td class="nump">1,499<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_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent', window );">Accounts payable and accrued expenses</a></td>
<td class="nump">5,932<span></span>
</td>
<td class="nump">5,839<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_DeferredRevenue', window );">Deferred revenues</a></td>
<td class="nump">3,969<span></span>
</td>
<td class="nump">3,917<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</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">205<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_Liabilities', window );">Total liabilities</a></td>
<td class="nump">224,752<span></span>
</td>
<td class="nump">222,460<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_CommitmentsAndContingencies', window );">Commitments and contingencies</a></td>
<td class="text"> <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_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="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_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="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_CommonStockValueOutstanding', window );">Common stock, no par: 50,000 shares authorized; 12,524 and 12,466 shares issued respectively; 7,810 and 7,753 shares outstanding, respectively</a></td>
<td class="nump">33,889<span></span>
</td>
<td class="nump">33,287<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_TreasuryStockValue', window );">Treasury stock: 4,714 common shares, at cost</a></td>
<td class="num">(70,459)<span></span>
</td>
<td class="num">(70,459)<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_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">145,430<span></span>
</td>
<td class="nump">140,021<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_StockholdersEquity', window );">Total shareholders' equity</a></td>
<td class="nump">108,860<span></span>
</td>
<td class="nump">102,849<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_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
<td class="nump">$ 333,612<span></span>
</td>
<td class="nump">$ 325,309<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_DerivativeAssetsCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset, expected to be settled within one year or normal operating cycle, if longer. Includes assets not subject to a master netting arrangement and not elected to be offset.</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 15<br> -URI http://asc.fasb.org/extlink&amp;oid=73719730&amp;loc=d3e13495-108611<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 45<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Current Assets<br> -URI http://asc.fasb.org/extlink&amp;oid=6509628<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 45<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 6: 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_DerivativeAssetsCurrent</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><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> Data Type:</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>
</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_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>
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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_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>
</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_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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<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>
</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>
</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_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>
</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_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>
<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>
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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_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><strong> Period Type:</strong></td>
<td>instant</td>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6754481536">
<tr>
<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, 2017</div></th>
<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_StatementOfFinancialPositionAbstract', window );"><strong>Statement of Financial Position [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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_PreferredStockNoParValue', window );">Preferred stock, no par value (in dollars per share)</a></td>
<td class="nump">$ 0<span></span>
</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_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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<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>
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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_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>
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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_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
<td class="nump">12,524<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">7,810<span></span>
</td>
<td class="nump">7,753<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>
</table>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6769418400">
<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, 2017</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_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">$ 90,466<span></span>
</td>
<td class="nump">$ 90,707<span></span>
</td>
<td class="nump">$ 86,790<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">1,440<span></span>
</td>
<td class="nump">1,497<span></span>
</td>
<td class="nump">1,562<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">21,437<span></span>
</td>
<td class="nump">22,313<span></span>
</td>
<td class="nump">20,835<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_GeneralAndAdministrativeExpense', window );">Administrative</a></td>
<td class="nump">12,180<span></span>
</td>
<td class="nump">11,025<span></span>
</td>
<td class="nump">11,226<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_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="nump">37,177<span></span>
</td>
<td class="nump">26,278<span></span>
</td>
<td class="nump">20,371<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">492<span></span>
</td>
<td class="nump">458<span></span>
</td>
<td class="nump">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_InterestExpense', window );">Interest expense</a></td>
<td class="nump">9,222<span></span>
</td>
<td class="nump">9,007<span></span>
</td>
<td class="nump">5,970<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="num">(222)<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="nump">364<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_OperatingExpenses', window );">Total operating expenses</a></td>
<td class="nump">81,726<span></span>
</td>
<td class="nump">70,602<span></span>
</td>
<td class="nump">60,694<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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Operating income before income taxes</a></td>
<td class="nump">8,740<span></span>
</td>
<td class="nump">20,105<span></span>
</td>
<td class="nump">26,096<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">3,331<span></span>
</td>
<td class="nump">7,726<span></span>
</td>
<td class="nump">9,240<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_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 5,409<span></span>
</td>
<td class="nump">$ 12,379<span></span>
</td>
<td class="nump">$ 16,856<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>
</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 (in dollars per share)</a></td>
<td class="nump">$ 0.70<span></span>
</td>
<td class="nump">$ 1.60<span></span>
</td>
<td class="nump">$ 1.40<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 (in dollars per share)</a></td>
<td class="nump">$ 0.69<span></span>
</td>
<td class="nump">$ 1.59<span></span>
</td>
<td class="nump">$ 1.38<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_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>
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<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>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>
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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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<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_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>
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<td>credit</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>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>
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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_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>
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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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<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_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>
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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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<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>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6769748592">
<tr>
<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, 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>
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</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="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">16,856<span></span>
</td>
<td class="nump">16,856<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">$ 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="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">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="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">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="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_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense', window );">Excess tax benefit on share awards</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="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_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="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_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="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_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="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">12,379<span></span>
</td>
<td class="nump">12,379<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">$ 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="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">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="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">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="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_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="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_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense', window );">Excess tax benefit on share awards</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="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_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="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_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>
<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">5,409<span></span>
</td>
<td class="nump">5,409<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">$ 50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50<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">9<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">48<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">$ (66)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(66)<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</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">607<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">607<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, 2017</a></td>
<td class="nump">$ 33,889<span></span>
</td>
<td class="num">$ (70,459)<span></span>
</td>
<td class="nump">$ 145,430<span></span>
</td>
<td class="nump">$ 108,860<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, 2017</a></td>
<td class="nump">7,810<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_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>
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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>
<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>
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<tr>
<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>
<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_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>
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<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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6767721488">
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<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, 2017</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_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">$ 5,409<span></span>
</td>
<td class="nump">$ 12,379<span></span>
</td>
<td class="nump">$ 16,856<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">492<span></span>
</td>
<td class="nump">458<span></span>
</td>
<td class="nump">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_GainLossOnSaleOfPropertyPlantEquipment', window );">(Gain) loss on sale of property and equipment</a></td>
<td class="num">(17)<span></span>
</td>
<td class="num">(24)<span></span>
</td>
<td class="nump">6<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_AssetImpairmentCharges', window );">Impairment loss on property and equipment</a></td>
<td class="nump">350<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_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for credit losses</a></td>
<td class="nump">37,177<span></span>
</td>
<td class="nump">26,278<span></span>
</td>
<td class="nump">20,371<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_AdjustmentForAmortization', window );">Amortization of dealer discounts</a></td>
<td class="num">(13,112)<span></span>
</td>
<td class="num">(13,811)<span></span>
</td>
<td class="num">(13,852)<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_AmortizationOfDeferredSalesCommissions', window );">Amortization of commission for products</a></td>
<td class="num">(1,754)<span></span>
</td>
<td class="num">(1,662)<span></span>
</td>
<td class="num">(1,266)<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">(1,956)<span></span>
</td>
<td class="num">(292)<span></span>
</td>
<td class="nump">356<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">607<span></span>
</td>
<td class="nump">574<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_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1', window );">Change in fair value of interest rate swap agreements</a></td>
<td class="num">(222)<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="nump">364<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">328<span></span>
</td>
<td class="nump">192<span></span>
</td>
<td class="nump">66<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="nump">93<span></span>
</td>
<td class="num">(2,002)<span></span>
</td>
<td class="num">(1,085)<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/payable</a></td>
<td class="num">(126)<span></span>
</td>
<td class="num">(480)<span></span>
</td>
<td class="nump">981<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">52<span></span>
</td>
<td class="nump">774<span></span>
</td>
<td class="nump">815<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">27,321<span></span>
</td>
<td class="nump">22,408<span></span>
</td>
<td class="nump">24,492<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">(157,708)<span></span>
</td>
<td class="num">(173,027)<span></span>
</td>
<td class="num">(164,830)<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">130,029<span></span>
</td>
<td class="nump">139,289<span></span>
</td>
<td class="nump">140,018<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">(305)<span></span>
</td>
<td class="num">(401)<span></span>
</td>
<td class="num">(51)<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">(772)<span></span>
</td>
<td class="num">(913)<span></span>
</td>
<td class="num">(443)<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">53<span></span>
</td>
<td class="nump">61<span></span>
</td>
<td class="nump">68<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">(28,703)<span></span>
</td>
<td class="num">(34,991)<span></span>
</td>
<td class="num">(25,238)<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">2,000<span></span>
</td>
<td class="nump">12,000<span></span>
</td>
<td class="nump">71,100<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_IncreaseDecreaseInDraftsPayable', window );">Increase (decrease) in drafts payable</a></td>
<td class="nump">352<span></span>
</td>
<td class="num">(977)<span></span>
</td>
<td class="nump">137<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_PaymentsOfDebtIssuanceCosts', window );">Payment of debt origination costs</a></td>
<td class="num">(25)<span></span>
</td>
<td class="num">(25)<span></span>
</td>
<td class="num">(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_ProceedsFromStockOptionsExercised', window );">Proceeds from exercise of share awards</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">85<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_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities', window );">Excess tax benefits of stock options</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">11<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_PaymentsForRepurchaseOfCommonStock', window );">Purchase of common shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(50)<span></span>
</td>
<td class="num">(70,409)<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_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
<td class="nump">2,388<span></span>
</td>
<td class="nump">11,044<span></span>
</td>
<td class="nump">1,499<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_CashPeriodIncreaseDecrease', window );">Net increase (decrease) in cash</a></td>
<td class="nump">1,006<span></span>
</td>
<td class="num">(1,539)<span></span>
</td>
<td class="nump">753<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, beginning 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_Cash', window );">Cash, end of year</a></td>
<td class="nump">2,855<span></span>
</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_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="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_TaxDeficiencyFromShareAwards', window );">Tax deficiency from share awards</a></td>
<td class="num">$ (66)<span></span>
</td>
<td class="num">$ (38)<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 taxes 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_AmortizationOfDeferredSalesCommissions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 expense recognized in the current period for the periodic realization of capitalized fees that were paid to salespeople, distributors, brokers, and agents at the time of the conclusion of the sale. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations 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 (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 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.3)<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_AmortizationOfDeferredSalesCommissions</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_AssetImpairmentCharges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 write-down of assets recognized in the income statement. Includes, but is not limited to, losses from tangible assets, intangible assets and goodwill.</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 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=68055307&amp;loc=d3e2420-110228<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_AssetImpairmentCharges</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_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>
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<tr>
<td><strong> Data Type:</strong></td>
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</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_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>
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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 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>
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<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>
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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>
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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 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>
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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: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 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>
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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><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_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>
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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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<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_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>
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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>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_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>
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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>
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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 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">
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6759657648">
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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>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Mar. 31, 2017</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_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>Organization, Consolidation and Presentation Of Financial Statements [Abstract]</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_BusinessDescriptionAndBasisOfPresentationTextBlock', window );">Organization and Basis of Presentation</a></td>
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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>1. Organization and Basis of Presentation</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Nicholas Financial, Inc. (&#8220;Nicholas Financial &#8211; Canada&#8221;) is a Canadian holding company incorporated under the laws of British Columbia with two wholly owned United States subsidiaries, Nicholas Data Services, Inc. (&#8220;NDS&#8221;) and Nicholas Financial, Inc. (&#8220;NFI&#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. NFI is a specialized consumer finance company engaged primarily in acquiring and servicing automobile finance installment contracts (&#8220;Contracts&#8221;) for purchases of new and used automobiles and light trucks. To a lesser extent, NFI also offers direct consumer loans (&#8220;Direct Loans&#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 (&#8220;U.S. GAAP&#8221;).</p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company has one reportable segment, which is the consumer finance company.</div>
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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>
<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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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6929325632">
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<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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<tr><th class="th"><div>Mar. 31, 2017</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_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</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_SignificantAccountingPoliciesTextBlock', window );">Summary of Significant Accounting Policies</a></td>
<td class="text"><p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>2. Summary of Significant Accounting Policies</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Consolidation</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Tender Offer</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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&#160;million. Such costs were recorded as an increase to treasury stock, reducing shareholders&#8217; equity.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The aggregate number of common shares purchased in the tender offer by NFI 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Use of Estimates</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Finance Receivables</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts (see &#8220;Revenue Recognition&#8221;) and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&#160;31, 2017 and March&#160;31, 2016 are approximately $195.5 and $186.3&#160;million, respectively (See Note 3).</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Allowance for Credit Losses</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 and are considered smaller-balance homogenous loans. The Company analyzes each consolidated static pool at specific points in time to estimate losses that are probable of being incurred as of the reporting date.&#160;It has maintained historical&#160;<font style="white-space: nowrap;">write-off</font>&#160;information for over 10 years with respect to every consolidated static pool and segregates each static pool by liquidation which creates snapshots or buckets of each pool&#8217;s historical&#160;<font style="white-space: nowrap;"><font style="white-space: nowrap;">write-off-to</font></font>&#160;liquidation ratio at five different points in each vintage pool&#8217;s liquidation cycle. These snapshots are then used to assist in determining the allowance for credit losses.&#160;The five snapshots are tracked at liquidation levels of 20%, 40%, 60%, 80% and 100%. These snapshots help us in determining the appropriate allowance for credit losses.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As of March&#160;31, 2016, the Company refined the allowance for credit losses by changing it to a loan by loan analysis, which more closely depicts the amount of the allowance for credit losses needed to maintain an adequate reserve. As of March&#160;31, 2017, the Company further refined the reserve for losses by increasing the allowance by 50% of the principal balance, with respect to accounts whose contractual delinquency falls into the range of&#160;<font style="white-space: nowrap;">120-180</font>&#160;days past due as a result of further delinquencies that occurred subsequent to altering our&#160;<font style="white-space: nowrap;">charge-off</font>&#160;policy (see Note 3).</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Assets Held for Resale</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Property and Equipment</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 68%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="61%"></td>
<td valign="bottom" width="23%"></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Furniture&#160;and&#160;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; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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&#160;(generally&#160;6&#160;-7&#160;years)</td>
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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 18pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Drafts Payable</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Income Taxes</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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, 2017.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 fiscal years before 2014. The Company does not believe there will be any material changes in its unrecognized tax positions over the next 12 months. There were no unrecognized tax positions as of March&#160;31, 2017.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 18pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Revenue Recognition</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 61 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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, 2017, 2016, and 2015 was 7.08%, 7.51% and 8.08%, respectively.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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, involuntary unemployment insurance, and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Earnings Per Share</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. Earnings per share is calculated using the&#160;<font style="white-space: nowrap;">two-class</font>&#160;method, as such awards are more dilutive under this method than the treasury stock 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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="75%"></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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="10"><b>Fiscal Year ended March 31,</b><br  /><b>(In thousands, except earnings per</b><br  /><b>share numbers)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>5,409</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,379</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(70</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">(170</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,209</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,209</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average common shares outstanding, including shares considered participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,766</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,727</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(102</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">(105</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average shares of common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,664</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,622</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>.70</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.60</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Net income allocated to common stock</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,209</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Undistributed earnings&#160;<font style="white-space: nowrap;">re-allocated</font>&#160;to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</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">&#160;</td>
<td align="right" valign="bottom">2</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Numerator for diluted earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,211</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average common shares outstanding for basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,664</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,622</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Incremental shares from stock options</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>62</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">70</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average shares and dilutive potential common shares</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,726</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,692</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,192</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Diluted earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>.69</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.59</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Diluted earnings per share do not include the effect of certain stock options as their impact would be anti-dilutive. Approximately 161,000, 161,000, and 155,000 stock options were not included in the computation of diluted earnings per share for the years ended March&#160;31, 2017, 2016 and 2015 respectively, because their effect would have been anti-dilutive.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Share-Based Payments</b></p>
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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The fair value of&#160;<font style="white-space: nowrap;">non-vested</font>&#160;restricted shares and performance units are measured at the market price of a share on a grant date. Restricted shares have a three-year service period. Performance units include a performance period (generally ending at the end of the fiscal year in which the units were granted) followed by a&#160;<font style="white-space: nowrap;">two-year</font>&#160;service period. At the end of the performance period, these units effectively become restricted shares for the remaining&#160;<font style="white-space: nowrap;">two-year</font>&#160;service period at which time they become vested.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Fair Value Measurements</b></div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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&#160;1, defined as observable inputs such as quoted prices in active markets; Level&#160;2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level&#160;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="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Financial Instruments and Concentrations</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company&#8217;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), a 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As of March&#160;31, 2017, the Company operated in eighteen states through sixty-five branch locations. Florida represented 28% of the finance receivables total as of March&#160;31, 2017. Ohio represented 13%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&#160;31, 2017. 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Interest Rate Swap Agreements</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Statements of Cash Flows</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Cash paid for income taxes for the years ended March&#160;31, 2017, 2016 and 2015 was approximately $5.4&#160;million, $8.5&#160;million and $7.3&#160;million respectively. Cash paid for interest, including debt origination costs for the years ended March&#160;31, 2017, 2016 and 2015 was approximately $9.1&#160;million, $8.8&#160;million and $6.1&#160;million respectively.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Reclassifications</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company made certain reclassifications to the 2016 and 2015 statements of cash flows. The amortization of deferred revenues decreased cash flows from operating activities by $1.7 million and $1.3 million for 2016 and 2015 respectively and correspondingly increased cash flows from investing activities. Net income and shareholders&#8217; equity was not changed.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 8pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Recent Accounting Pronouncements</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In August 2016, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued the Accounting Standards Update (&#8220;ASU&#8221;)&#160;<font style="white-space: nowrap;">2016-15</font>&#160;Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payment. The new guidance focuses on making the Statement of Cash Flows more uniform for companies. The amendments in this Update are effective for public business</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">entities for fiscal years beginning after December&#160;15, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is in the process of analyzing its current presentation of the Consolidated Statements of Cash Flows. At this time, the Company does not believe ASU&#160;<font style="white-space: nowrap;">2016-15</font>&#160;will have a material impact.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In June 2016, the FASB issued the ASU&#160;<font style="white-space: nowrap;">2016-13</font>&#160;Financial Instruments&#8212;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. Among other things, the amendments in this ASU require the measurement of all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. The ASU also requires additional disclosures related to estimates and judgments used to measure all expected credit losses.&#160;The new guidance is effective for fiscal years, and interim periods within those fiscal years, beginning after December&#160;15, 2019. Early application will be permitted for all organizations for fiscal years, and interim periods within those fiscal years, beginning after December&#160;15, 2018. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is collecting and analyzing data that will be needed to produce historical inputs into any models created as a result of adopting this ASU. At this time, we believe the adoption of this ASU will likely have a material adverse effect on our consolidated Financial statements.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In March 2016, the FASB issued the ASU&#160;<font style="white-space: nowrap;">2016-09,</font>&#160;&#8220;Compensation&#8212;Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&#8221; which is intended to simplify several aspects of the accounting for share-</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities,</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">and classification on the statement of cash flows. For public entities, ASU&#160;<font style="white-space: nowrap;">2016-09</font>&#160;is effective for annual periods</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">beginning after December&#160;15, 2016, including interim periods within those fiscal years. Early application is permitted. The Company continues to evaluate the impact of the adoption of this ASU on the consolidated financial statements and at this time does not believe there will be a material impact on the consolidated financial statements.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In February 2016, the FASB issued ASU&#160;<font style="white-space: nowrap;">No.&#160;2016-02,</font>&#160;&#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</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">from current U.S. GAAP. ASU&#160;<font style="white-space: nowrap;">2016-02</font>&#160;is effective for annual periods beginning after December&#160;15, 2018, including interim periods within those fiscal years. Early application is permitted. Upon adoption, the Company will add the impact of the full operating lease terms, using the present value of future minimum lease payments to the balance sheet. The Company will continue to evaluate the impact of the adoption of this ASU on the consolidated financial statements.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In January 2016, the FASB issued ASU&#160;<font style="white-space: nowrap;">No.&#160;2016-01,</font>&#160;&#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 to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; 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</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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. While the Company is currently evaluating the impact of the pending adoption of this ASU on the Company&#8217;s consolidated financial statements, the Company does not believe it will have a material impact on the consolidated financial statements.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In May 2014, the FASB issued ASU&#160;<font style="white-space: nowrap;">No.&#160;2014-09,</font>&#160;&#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&#160;<font style="white-space: nowrap;">2014-09</font>&#160;by one year. As a result, ASU&#160;<font style="white-space: nowrap;">2014-09</font>&#160;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). Because ASU&#160;<font style="white-space: nowrap;">2014-09</font>&#160;does not apply to revenue associated with financial instruments, the Company does not expect the new guidance to have a material impact on the consolidated financial statements. The Company has begun to scope its general ledger revenue items to identify potential performance obligations and will continue to evaluate the impact of adoption on its consolidated financial statements and disclosures.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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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<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, 2017</div></th></tr>
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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2"><b>3. Finance Receivables</b></font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">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.</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">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&#160;<font style="white-space: nowrap;">charges-off</font>&#160;receivables when an individual account has become more than 180 days contractually delinquent. In the event of repossession, the&#160;<font style="white-space: nowrap;">charge-off</font>&#160;will occur in the month in which the vehicle was repossessed.</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">Contracts included in finance receivables are detailed as follows as of fiscal years ended March&#160;31:</font></p>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" valign="bottom" colspan="10"><font style="font-family: times new roman,times;" size="2"><b>(In thousands)</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2017</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2016</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2015</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Indirect finance receivables, gross contract</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>502,050</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">487,118</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">447,043</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Unearned interest</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>(158,541</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>)&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(152,911</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(136,896</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Indirect finance receivables, net of unearned interest</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>343,509</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">334,207</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">310,147</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Unearned dealer discounts</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>(17,004</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>)&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(18,023</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(17,780</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Indirect finance receivables, net of unearned interest and unearned dealer discounts</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>326,505</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">316,184</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">292,367</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Allowance for credit losses</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>(16,885</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>)&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(12,265</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(11,325</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Indirect finance receivables, net</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>309,620</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">303,919</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">281,042</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
</table>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">The terms of the Contracts range from 12 to 72 months and bear a weighted average contractual interest rate of 22.37% and 22.67% as of March&#160;31, 2017 and 2016, respectively.</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">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:</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" valign="bottom" colspan="10"><font style="font-family: times new roman,times;" size="2"><b>(In thousands)</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2017</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2016</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2015</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Balance at beginning of year</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>12,265</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">11,325</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">12,889</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Provision for credit losses</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>36,843</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">25,926</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">20,008</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Losses absorbed</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>(34,419</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>)&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(27,963</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(25,042</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Recoveries</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>2,196</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">2,977</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">3,470</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Balance at end of year</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>16,885</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">12,265</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">11,325</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
</table>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 18pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2"></font>&#160;</div>
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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">Direct Loans are loans originated directly between the Company and the consumer. Direct Loans are also included in finance receivables and are detailed as follows as of fiscal years ended March&#160;31:</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<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; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" valign="bottom" colspan="10"><font style="font-family: times new roman,times;" size="2"><b>(In thousands)</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2017</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2016</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2015</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Direct finance receivables, gross contract</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>10,670</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">11,012</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">10,932</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Unearned interest</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>(2,312</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>)&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(2,346</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(2,367</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Direct finance receivables, net of unearned interest</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>8,358</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">8,666</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">8,565</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Allowance for credit losses</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>(773</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>)&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(748</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(703</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Direct finance receivables, net</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>7,585</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">7,918</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">7,862</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
</table>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">The terms of the Direct Loans range from 12 to 72 months and bear a weighted average contractual interest rate of 25.62% and 25.72% as of March&#160;31, 2017 and 2016, respectively.</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">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:</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<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; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" valign="bottom" colspan="10"><font style="font-family: times new roman,times;" size="2"><b>(In thousands)</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2017</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2016</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>2015</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Balance at beginning of year</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>748</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">703</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">590</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Provision for credit losses</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>334</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">352</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">362</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Losses absorbed</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>(338</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>)&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(328</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">(277</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">)&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Recoveries</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>29</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">21</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">28</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Balance at end of year</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>773</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">748</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">703</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
</table>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">Direct Loans are typically for amounts ranging from $1,000 to $11,000 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 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, 2017, 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.</font></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">A performing account is defined as an account that is less than 61 days past due. We define an automobile contract as delinquent when more than 25% of a payment contractually due by a certain date has not been paid by the immediately following due date, which date may have been extended within limits specified in the servicing agreements or as a result of a deferral. The period of delinquency is based on the number of days payments are contractually past due, as extended where applicable.</font><font style="font-family: times new roman,times;" size="2">&#160;</font></div>
<br  />
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">In certain circumstances, we will grant obligors&#160;<font style="white-space: nowrap;">one-month</font>&#160;payment extensions. The only modification of terms in those circumstances is to advance the obligor&#8217;s next due date by one month and extend the maturity date of the receivable. There are no other concessions, such as a reduction in interest rate, forgiveness of principal or of accrued interest. Accordingly, we consider such extensions to be insignificant delays in payments rather than troubled debt restructurings.</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">A&#160;<font style="white-space: nowrap;">non-performing</font>&#160;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. As of September&#160;1, 2016, when an account is 180 days contractually delinquent, the account is written off. This change aligns the Company&#8217;s&#160;<font style="white-space: nowrap;">charge-off</font>&#160;policy with practices within the subprime auto financing segment. Prior to September 2016, accounts that were 120 days contractually delinquent were written off. See &#8220;<i>Item 7 &#8211; Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</i>&#8221; for more details. Upon notification of a bankruptcy, an account is monitored for collection with other Chapter 13 bankruptcy accounts. In the event the debtors&#8217; 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.</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">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.</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">The following table is an assessment of the credit quality by creditworthiness as of March&#160;31:</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<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; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" valign="bottom" colspan="14"><font style="font-family: times new roman,times;" size="2"><b>(In thousands)</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><font style="font-family: times new roman,times;" size="2"><b>2017</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="6"><font style="font-family: times new roman,times;" size="2"><b>2016</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>Contracts</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>Direct<br  />Loans</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>Contracts</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>Direct<br  />Loans</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Performing accounts</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>473,446</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>10,406</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">473,429</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">10,899</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2"><font style="white-space: nowrap;">Non-performing</font>&#160;accounts</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>24,585</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>222</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">9,435</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">79</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Total</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>498,031</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>10,628</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">482,864</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">10,978</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Chapter 13 bankruptcy accounts, net of unearned interest</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>4,019</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>42</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">4,254</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">34</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">Finance receivables, gross contract</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>502,050</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>10,670</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">487,118</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">11,012</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
</td>
<td><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
</table>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">The following tables present certain information regarding the delinquency rates experienced by the Company with respect to Contracts and Direct Loans on a gross basis which includes unearned interest, excluding any Chapter 13 bankruptcy accounts:</font></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;</font></p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="63%"></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>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" valign="bottom" colspan="18"><font style="font-family: times new roman,times;" size="2"><b>(In thousands)</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 33.75pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"><font style="font-family: times new roman,times;" size="2"><b>Contracts</b></font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>Gross Balance<br  />Outstanding</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>31&#160;&#8211;&#160;<br  />60&#160;days</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>61&#160;&#8211;&#160;<br  />90&#160;days</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>Over<br  />90&#160;days</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><font style="font-family: times new roman,times;" size="2"><b>Total</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2"><b>March&#160;31, 2017</b></font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>498,031</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>25,450</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>12,388</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>12,197</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>50,035</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>5.11</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>%&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>2.49</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>%&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>2.45</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>%&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>10.05</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>%&#160;</b></font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">March&#160;31, 2016</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">482,864</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">17,466</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">6,069</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">3,366</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">26,901</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">3.61</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">%&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">1.26</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">%&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">0.70</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">%&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">5.57</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">%&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">March&#160;31, 2015</font></p>
</td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">443,083</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">13,694</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">3,435</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">1,330</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">18,459</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">3.09</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">%&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">0.78</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">%&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">0.30</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">%&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">4.17</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">%&#160;</font></td>
</tr>
<tr style="font-size: 1pt;">
<td height="16"></td>
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<td height="16" colspan="4"></td>
<td height="16" colspan="4"></td>
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<td height="16" colspan="4"></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
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<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>191</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>$</b></font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>67</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>155</b></font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2"><b>&#160;</b></font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2"><b>413</b></font></td>
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<td valign="top"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">10,978</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">161</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">41</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">38</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">240</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
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<td valign="top"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">1.47</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">0.37</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">0.35</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">2.19</font></td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="font-family: times new roman,times;" size="2">March&#160;31, 2015</font></p>
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<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">10,912</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">122</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">42</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">15</font></td>
<td valign="bottom" nowrap="nowrap"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">$</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">179</font></td>
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<td valign="top"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
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<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;&#160;</font></td>
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<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">1.12</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">0.38</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">0.14</font></td>
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<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td valign="bottom"><font style="font-family: times new roman,times;" size="2">&#160;</font></td>
<td align="right" valign="bottom"><font style="font-family: times new roman,times;" size="2">1.64</font></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>
<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 14<br> -URI http://asc.fasb.org/extlink&amp;oid=32702940&amp;loc=SL6953791-111525<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 1<br> -URI http://asc.fasb.org/extlink&amp;oid=66008989&amp;loc=d3e4975-111524<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Property and Equipment<br></strong></div></th>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
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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_DebtDisclosureTextBlock', window );">Line of Credit</a></td>
<td class="text"><p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>5. Line of Credit</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company has a line of credit facility (the &#8220;Line&#8221;) up to $225.0&#160;million, which matures on January&#160;30, 2018.&#160;Prior to December&#160;30, 2016 the pricing on the Line was 300 basis points above 30 day LIBOR with a 1% floor on LIBOR.&#160;Effective December&#160;30, 2016, the Company executed an amendment to this existing Line which provided temporary adjustments to the calculation of availability and increased the pricing of the Line to 350 basis points above 30 day LIBOR while maintaining the 1% floor on LIBOR (4.50% at March&#160;31, 2017 and 4.00% at March&#160;31, 2016). The amendment provides for a temporary adjustment to the calculation of the availability under the credit facility effective as of December&#160;30, 2016 and will be in place through June&#160;30, 2017. In connection with such adjustment, an additional event of default was added to the credit facility that would be triggered if the sum of the percentages of accounts that were more than thirty days past due, accounts that were charged off, and the value of repossessed vehicles held as assets exceeds a specified monthly threshold.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Pledged as collateral for this Line are all the assets of the Company.&#160;The facility requires compliance with certain financial ratios and covenants and satisfaction of specified financial tests, including maintenance of asset quality and performance tests. As of March&#160;31, 2017, the Company was in compliance with all debt covenants.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As disclosed in Note 3, the quality of the Company&#8217;s loan portfolio has been deteriorating, which has resulted in an increase in non-performing loans, increased delinquencies and other factors, which in turn has resulted in increased net charge-offs and an increase in the provision for credit losses. These conditions have resulted in a reduction in net earnings and have affected our borrowing capacity under the line of credit facility.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company&#8217;s operating results over recent quarters provided indicators that the Company may not be able to continue to comply with certain of the required financial ratios, covenants and financial tests prior to the maturity date of the line of credit facility in the absence of an amendment to the corresponding credit agreement. Failure to meet any financial ratios, covenants or financial tests could result in an event of default under our line of credit facility. If an event of default occurs under the credit facility, our lenders could increase our borrowing costs, restrict our ability to obtain additional borrowings under the facility, accelerate all amounts outstanding under the facility, or enforce their interest against collateral pledged under the facility.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company is in the process of providing information to the agent bank in the loan consortium, in the ordinary course of business as well as making changes in our policies and procedures which we believe will be successful in addressing some of the issues related to loan quality. We are also developing information pertaining to our expected borrowing needs, including proposed covenants, determination of lending levels and availability and other considerations to be submitted to the agent bank to assist in addressing the renewal of credit upon expiration of the Line in January 2018. The Company has a longstanding relationship with its lenders. While management believes that it will be able to obtain a renewal or extension of the credit facility, there are no assurances that the lenders will approve the renewal or extension, or, assuming that they will approve it, that the facility will not be on terms less favorable than the current agreement. In the event that the Company obtains information that the existing lenders do not intend to extend the relationship, the Company will seek alternative financing. The Company believes it is probable that it will be able to obtain financing from either its existing lenders or from other sources; however, it can provide no assurances that it will be successful in replacing the line of credit facility on reasonable terms or at all.</p><span></span>
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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>
<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 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<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 210.5-02.19,20,22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6929327216">
<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>
</tr>
<tr><th class="th"><div>Mar. 31, 2017</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_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>Derivative Instruments and Hedging Activities 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_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">Interest Rate Swap Agreements</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>6. Interest Rate Swap Agreements</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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, 2017 and 2016, no new contracts were initiated and no contracts matured.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company currently has two interest rate swap agreements. A June&#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&#160;<font style="white-space: nowrap;">1-month</font>&#160;LIBOR rate. This interest rate swap agreement has an effective date of June&#160;13, 2012 and a notional amount of $25.0&#160;million. A July&#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&#160;<font style="white-space: nowrap;">1-month</font>&#160;LIBOR rate. This interest rate swap agreement has an effective date of August&#160;13, 2012 and a notional amount of $25.0&#160;million.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The locations and amounts of gains (losses) recognized in income are detailed as follows for the fiscal years ended March&#160;31:</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
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<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
<td valign="bottom" width="5%"></td>
<td></td>
<td></td>
<td></td>
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<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Periodic change in fair value of interest rate swap agreements</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>222</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(24</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Periodic settlement differentials included in interest expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(179</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(343</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
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<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Gain (loss) recognized in income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>43</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">(367</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Net realized gains (losses) from the interest rate swap agreements were recorded in the interest expense line item of the consolidated statements of income.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following table summarizes the average variable rates received and average fixed rates paid under the interest rate swap agreements as of March&#160;31:</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Average variable rate received</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0.58</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.26</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Average fixed rate paid</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>0.94</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.94</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
</table>
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</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.</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 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6441202&amp;loc=d3e80720-113993<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> -URI http://asc.fasb.org/extlink&amp;oid=64837297&amp;loc=SL5624171-113959<br><br>Reference 3: 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 4: http://www.xbrl.org/2003/role/presentationRef<br> 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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6929307136">
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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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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company&#8217;s financial instruments consist of cash, finance receivables and the Line. For each of these financial instruments the carrying value approximates fair value.</p>
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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The initial terms of the Contracts range from 12 to 72 months. The initial terms of the Direct Loans range from 12 to 72 months. If liquidated outside of the normal course of business, the amount received may not be the carrying value.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Based on current market conditions, any new or renewed credit facility would contain pricing that approximates the Company&#8217;s current Line. Based on these market conditions, the fair value of the Line as of March&#160;31, 2017 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>
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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">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom"></td>
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<td align="right" valign="bottom" nowrap="nowrap"><b>&#8212;&#160;&#160;</b></td>
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<td align="right" valign="bottom" nowrap="nowrap"><b>&#8212;&#160;&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">March&#160;31, 2016</p>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<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>
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<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Finance receivables:</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
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<td valign="bottom"></td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom" nowrap="nowrap"><b>&#8212;&#160;&#160;</b></td>
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<td align="right" valign="bottom" nowrap="nowrap"><b>&#8212;&#160;&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">March&#160;31, 2016</p>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</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>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom" nowrap="nowrap">&#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
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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>
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<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;"><b>March&#160;31, 2017</b></p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b>$</b></td>
<td align="right" valign="bottom" nowrap="nowrap"><b>&#8212;&#160;&#160;</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
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<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b>$</b></td>
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<td align="right" valign="bottom"><b>213,000</b></td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">March&#160;31, 2016</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">$</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">$</td>
<td align="right" valign="bottom">211,000</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
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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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<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Federal</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>4,563</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">6,964</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">State</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>724</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">1,054</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 5em; font-size: 10pt;">Total current</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>5,287</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">8,018</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Federal</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(1,688</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">(254</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">State</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(268</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">(38</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 5em; font-size: 10pt;">Total deferred</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(1,956</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">(292</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>3,331</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,726</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,240</td>
<td valign="bottom" nowrap="nowrap">&#160;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;">
<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Allowance for credit losses not currently deductible for tax purposes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>7,742</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,918</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Share-based compensation</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>487</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">491</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(6</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">78</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Other items</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>282</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">128</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Deferred income taxes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>8,505</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">6,615</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="77%"></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; break-inside: avoid;">
<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Provision for income taxes at Federal statutory rate</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>3,059</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,037</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">&#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"><b>&#160;</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
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<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">809</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Transaction costs</p>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom" nowrap="nowrap"><b>&#8212;&#160;&#160;</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</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">&#160;</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Other</p>
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<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(25</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">29</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">31</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td>&#160;</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
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<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,726</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<td>&#160;</td>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6929325632">
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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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<td class="text"><p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>9. Share-Based Payments</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company has share awards outstanding under two share-based compensation plans (the &#8220;Equity Plans&#8221;). The Company believes that such awards generally 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&#160;<font style="white-space: nowrap;">non-employee</font>&#160;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, restricted stock units, performance shares, performance units, and other equity-based compensation.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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. Vesting of performance units generally does not commence until 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company funds share awards from authorized but unissued shares and does not purchase shares to fulfill its obligations under the Equity Plans. Cash dividends, if any, are not paid on unvested performance units or unexercised options, but are paid on unvested restricted stock awards.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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>
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average expected original term</p>
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<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5&#160;years</td>
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<td valign="bottom">&#160;</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Expected dividend yield</p>
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<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company did not grant any options during the year ended March&#160;31, 2017.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">A summary of option activity under the Equity Plans as of March&#160;31, 2017, and changes during the year are presented below.</p>
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<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="14"><b>(Shares and Aggregate Intrinsic Value in thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 27.05pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"><b>Options</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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;</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;</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; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Granted</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</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">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Exercised</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(9</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5.76</td>
<td valign="bottom" nowrap="nowrap">&#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; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Forfeited</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(15</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12.36</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Outstanding at March&#160;31, 2017</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">333</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10.08</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4.75</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">663</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Exercisable at March&#160;31, 2017</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">244</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">8.78</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3.79</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">663</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company did not grant options during the year ended March&#160;31, 2017. The total intrinsic value of options exercised during the years ended March&#160;31, 2017, 2016 and 2015 was approximately $46,500, $82,000, and $1,829,000 respectively.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">During the fiscal year ended March&#160;31, 2017, approximately 9,000 options were exercised at exercise prices ranging from $1.20 to $8.21 per share. During the same period, approximately 15,000 options were forfeited at exercise prices ranging from $11.44 to $12.97 per share.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 18pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Cash received from options exercised during the fiscal years ended March&#160;31, 2017, 2016 and 2015 totaled approximately $50,000, $85,000, and $389,000, respectively. As of March&#160;31, 2017, there was approximately $137,500 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">A summary of the status of the Company&#8217;s&#160;<font style="white-space: nowrap;">non-vested</font>&#160;restricted shares under the Equity Plan as of March&#160;31, 2017, and changes during the year then ended is presented below.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 92%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" valign="bottom" colspan="14"><b>(Shares and Aggregate Intrinsic Value in thousands)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 85.75pt; font-family: 'times new roman'; margin-bottom: 0pt; font-size: 8pt;"><b>Restricted Share Awards</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="white-space: nowrap;">Non-vested</font>&#160;at March&#160;31, 2016</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">82</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13.78</td>
<td valign="bottom" nowrap="nowrap">&#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; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Granted</p>
</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;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10.78</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Vested</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(40</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">14.37</td>
<td valign="bottom" nowrap="nowrap">&#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; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Forfeited</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</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">$</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="white-space: nowrap;">Non-vested</font>&#160;at March&#160;31, 2017</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">90</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11.95</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for an entity's employee compensation and benefit plans, including, but not limited to, postemployment and postretirement benefit plans, defined benefit pension plans, defined contribution plans, non-qualified and supplemental benefit plans, deferred compensation, share-based compensation, life insurance, severance, health care, unemployment and other benefit plans.</p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments and Contingencies<br></strong></div></th>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for commitments and contingencies.</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 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 460<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=68068213&amp;loc=d3e12565-110249<br><br>Reference 3: 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 4<br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<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><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 440<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=73718637&amp;loc=d3e25287-109308<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Quarterly Results of Operations (Unaudited)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td valign="bottom">&#160;&#160;</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>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#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: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;&#160;&#160;</td>
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<td align="right" valign="bottom"><b>1,803</b></td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom"><b>1,188</b></td>
<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>981</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>1,606</b></td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>(1,070</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: #000000 3px double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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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>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.25</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.21</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>(0.14</b></td>
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<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<td>&#160;</td>
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<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Diluted</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</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;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.25</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.21</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>(0.14</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
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<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="14"><b>Fiscal Year ended March&#160;31, 2016<br  />(In thousands, except earnings per share amounts)</b></td>
<td valign="bottom">&#160;</td>
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<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Total revenue</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">22,025</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">22,687</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">22,757</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">23,238</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Interest expense</p>
</td>
<td valign="bottom">&#160;&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,166</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,273</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>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,257</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4,989</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,177</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,599</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,513</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="white-space: nowrap;">Non-interest</font>&#160;expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,915</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,940</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,422</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">9,040</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Operating income before income taxes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,955</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,297</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4,425</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4,428</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,285</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,041</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,698</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,702</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Net income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,670</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,256</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,727</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,726</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Basic</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.48</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.43</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.36</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Diluted</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.47</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.42</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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_us-gaap_QuarterlyFinancialDataAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for quarterly financial data. Includes, but is not limited to, tabular presentation of financial information for fiscal quarters, effect of year-end adjustments, and an explanation of matters or transactions that affect comparability of the information.</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 2<br> -URI http://asc.fasb.org/extlink&amp;oid=68076893&amp;loc=d3e1570-108306<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 270<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=68064558&amp;loc=d3e765-108305<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 270<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=68064558&amp;loc=d3e725-108305<br></p></div>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6769910512">
<tr>
<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>
</tr>
<tr><th class="th"><div>Mar. 31, 2017</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 " 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>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Consolidation</b></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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.</div>
</div><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_TenderOfferPolicyTextBlock', window );">Tender Offer</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Tender Offer</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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&#160;million. Such costs were recorded as an increase to treasury stock, reducing shareholders&#8217; equity.</p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The aggregate number of common shares purchased in the tender offer by NFI 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.</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_UseOfEstimates', window );">Use of Estimates</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Use of Estimates</b></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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.</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_FinanceLoansAndLeasesReceivablePolicy', window );">Finance Receivables</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Finance Receivables</b></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Finance receivables are recorded at cost, net of unearned interest, unearned dealer discounts (see &#8220;Revenue Recognition&#8221;) and the allowance for credit losses. The amount of unearned interest, dealer discounts and allowance for credit losses as of March&#160;31, 2017 and March&#160;31, 2016 are approximately $195.5 and $186.3&#160;million, respectively (See Note 3).</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_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts', window );">Allowance for Credit Losses</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Allowance for Credit Losses</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 and are considered smaller-balance homogenous loans. The Company analyzes each consolidated static pool at specific points in time to estimate losses that are probable of being incurred as of the reporting date.&#160;It has maintained historical&#160;<font style="white-space: nowrap;">write-off</font>&#160;information for over 10 years with respect to every consolidated static pool and segregates each static pool by liquidation which creates snapshots or buckets of each pool&#8217;s historical&#160;<font style="white-space: nowrap;"><font style="white-space: nowrap;">write-off-to</font></font>&#160;liquidation ratio at five different points in each vintage pool&#8217;s liquidation cycle. These snapshots are then used to assist in determining the allowance for credit losses.&#160;The five snapshots are tracked at liquidation levels of 20%, 40%, 60%, 80% and 100%. These snapshots help us in determining the appropriate allowance for credit losses.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As of March&#160;31, 2016, the Company refined the allowance for credit losses by changing it to a loan by loan analysis, which more closely depicts the amount of the allowance for credit losses needed to maintain an adequate reserve. As of March&#160;31, 2017, the Company further refined the reserve for losses by increasing the allowance by 50% of the principal balance, with respect to accounts whose contractual delinquency falls into the range of&#160;<font style="white-space: nowrap;">120-180</font>&#160;days past due as a result of further delinquencies that occurred subsequent to altering our&#160;<font style="white-space: nowrap;">charge-off</font>&#160;policy (see Note 3).</p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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>
</div><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_AssetsHeldForResalePolicyTextBlock', window );">Assets Held for Resale</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Assets Held for Resale</b></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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>
</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_PropertyPlantAndEquipmentPolicyTextBlock', window );">Property and Equipment</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Property and Equipment</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 68%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="61%"></td>
<td valign="bottom" width="23%"></td>
<td></td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Furniture&#160;and&#160;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; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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&#160;(generally&#160;6&#160;-7&#160;years)</td>
</tr>
</table>
</div><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_DraftPayablePolicyTextBlock', window );">Drafts Payable</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Drafts Payable</b></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="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_IncomeTaxPolicyTextBlock', window );">Income Taxes</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Income Taxes</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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, 2017.</p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 fiscal years before 2014. The Company does not believe there will be any material changes in its unrecognized tax positions over the next 12 months. There were no unrecognized tax positions as of March&#160;31, 2017.</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_RevenueRecognitionPolicyTextBlock', window );">Revenue Recognition</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Revenue Recognition</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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 61 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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, 2017, 2016, and 2015 was 7.08%, 7.51% and 8.08%, respectively.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The amount of future unearned income is computed as the product of the Contract rate, the Contract term and the Contract amount.</p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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, involuntary unemployment insurance, and forced placed automobile insurance. These commissions are amortized over the life of the contract using the interest method.</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_EarningsPerSharePolicyTextBlock', window );">Earnings Per Share</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Earnings Per Share</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company has granted stock compensation awards with nonforfeitable dividend rights which are considered participating securities. Earnings per share is calculated using the&#160;<font style="white-space: nowrap;">two-class</font>&#160;method, as such awards are more dilutive under this method than the treasury stock 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="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 12pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="75%"></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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="10"><b>Fiscal Year ended March 31,</b><br /><b>(In thousands, except earnings per</b><br /><b>share numbers)</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>5,409</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,379</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(70</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">(170</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px
 solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,209</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,209</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average common shares outstanding, including shares considered participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,766</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,727</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(102</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">(105</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em;
 font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average shares of common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,664</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,622</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>.70</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.60</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,209</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Undistributed earnings&#160;<font style="white-space: nowrap;">re-allocated</font>&#160;to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</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">&#160;</td>
<td align="right" valign="bottom">2</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Numerator for diluted earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td
 align="right" valign="bottom"><b>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,211</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average common shares outstanding for basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,664</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,622</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Incremental shares from stock options</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>62</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">70</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average shares and dilutive potential common shares</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,726</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,692</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,192</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Diluted earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>.69</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.59</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Diluted earnings per share do not include the effect of certain stock options as
 their impact would be anti-dilutive. Approximately 161,000, 161,000, and 155,000 stock options were not included in the computation of diluted earnings per share for the years ended March&#160;31, 2017, 2016 and 2015 respectively, because their effect would have been anti-dilutive.</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_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">Share-Based Payments</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Share-Based Payments</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The grant date fair value of share awards is recognized in earnings over the requisite service period (presumptively, the vesting period), net of estimated forfeitures. 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.</p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The fair value of&#160;<font style="white-space: nowrap;">non-vested</font>&#160;restricted shares and performance units are measured at the market price of a share on a grant date. Restricted shares have a three-year service period. Performance units include a performance period (generally ending at the end of the fiscal year in which the units were granted) followed by a&#160;<font style="white-space: nowrap;">two-year</font>&#160;service period. At the end of the performance period, these units effectively become restricted shares for the remaining&#160;<font style="white-space: nowrap;">two-year</font>&#160;service period at which time they become vested. <font style="font-family: times new roman,times;" size="2">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.</font></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_FairValueMeasurementPolicyPolicyTextBlock', window );">Fair Value Measurements</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Fair Value Measurements</b></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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&#160;1, defined as observable inputs such as quoted prices in active markets; Level&#160;2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level&#160;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="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_FairValueOfFinancialInstrumentAndConcentrationOfCreditRiskPolicyTextBlock', window );">Financial Instruments and Concentrations</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Financial Instruments and Concentrations</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company&#8217;s financial instruments consist of cash, finance receivables (accrued interest is a part of finance receivables), a 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As of March&#160;31, 2017, the Company operated in eighteen states through sixty-five branch locations. Florida represented 28% of the finance receivables total as of March&#160;31, 2017. Ohio represented 13%, Georgia represented 10% and North Carolina represented 8% of the finance receivables total as of March&#160;31, 2017. 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="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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.</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_DerivativesPolicyTextBlock', window );">Interest Rate Swap Agreements</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Interest Rate Swap Agreements</b></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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).</div>
</div><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_StatementOfCashFlowPolicyTextBlock', window );">Statements of Cash Flows</a></td>
<td class="text"><div>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Statements of Cash Flows</b></p>
<div style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Cash paid for income taxes for the years ended March&#160;31, 2017, 2016 and 2015 was approximately $5.4&#160;million, $8.5&#160;million and $7.3&#160;million respectively. Cash paid for interest, including debt origination costs for the years ended March&#160;31, 2017, 2016 and 2015 was approximately $9.1&#160;million, $8.8&#160;million and $6.1&#160;million respectively.</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_PriorPeriodReclassificationAdjustmentDescription', window );">Reclassifications</a></td>
<td class="text"><p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Reclassifications</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company made certain reclassifications to the 2016 and 2015 statements of cash flows. The amortization of deferred revenues decreased cash flows from operating activities by $1.7 million and $1.3 million for 2016 and 2015 respectively and correspondingly increased cash flows from investing activities. Net income and shareholders&#8217; equity was not changed.</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_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">Recent Accounting Pronouncements</a></td>
<td class="text"><p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Recent Accounting Pronouncements</b></p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In August 2016, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued the Accounting Standards Update (&#8220;ASU&#8221;)&#160;<font style="white-space: nowrap;">2016-15</font>&#160;Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payment. The new guidance focuses on making the Statement of Cash Flows more uniform for companies. The amendments in this Update are effective for public business entities for fiscal years beginning after December&#160;15, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is in the process of analyzing its current presentation of the Consolidated Statements of Cash Flows. At this time, the Company does not believe ASU&#160;<font style="white-space: nowrap;">2016-15</font>&#160;will have a material impact.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In June 2016, the FASB issued the ASU&#160;<font style="white-space: nowrap;">2016-13</font>&#160;Financial Instruments&#8212;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. Among other things, the amendments in this ASU require the measurement of all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. The ASU also requires additional disclosures related to estimates and judgments used to measure all expected credit losses.&#160;The new guidance is effective for fiscal years, and interim periods within those fiscal years, beginning after December&#160;15, 2019. Early application will be permitted for all organizations for fiscal years, and interim periods within those fiscal years, beginning after December&#160;15, 2018. The Company is currently evaluating the impact of the adoption of this ASU on the consolidated financial statements, and is collecting and analyzing data that will be needed to produce historical inputs into any models created as a result of adopting this ASU. At this time, we believe the adoption of this ASU will likely have a material adverse effect on our consolidated Financial statements.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In March 2016, the FASB issued the ASU&#160;<font style="white-space: nowrap;">2016-09,</font>&#160;&#8220;Compensation&#8212;Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting,&#8221; which is intended to simplify several aspects of the accounting for share-</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities,</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">and classification on the statement of cash flows. For public entities, ASU&#160;<font style="white-space: nowrap;">2016-09</font>&#160;is effective for annual periods</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">beginning after December&#160;15, 2016, including interim periods within those fiscal years. Early application is permitted. The Company continues to evaluate the impact of the adoption of this ASU on the consolidated financial statements and at this time does not believe there will be a material impact on the consolidated financial statements.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In February 2016, the FASB issued ASU&#160;<font style="white-space: nowrap;">No.&#160;2016-02,</font>&#160;&#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</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">from current U.S. GAAP. ASU&#160;<font style="white-space: nowrap;">2016-02</font>&#160;is effective for annual periods beginning after December&#160;15, 2018, including interim periods within those fiscal years. Early application is permitted. Upon adoption, the Company will add the impact of the full operating lease terms, using the present value of future minimum lease payments to the balance sheet. The Company will continue to evaluate the impact of the adoption of this ASU on the consolidated financial statements.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In January 2016, the FASB issued ASU&#160;<font style="white-space: nowrap;">No.&#160;2016-01,</font>&#160;&#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 to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; 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</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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. While the Company is currently evaluating the impact of the pending adoption of this ASU on the Company&#8217;s consolidated financial statements, the Company does not believe it will have a material impact on the consolidated financial statements.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In May 2014, the FASB issued ASU&#160;<font style="white-space: nowrap;">No.&#160;2014-09,</font>&#160;&#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&#160;<font style="white-space: nowrap;">2014-09</font>&#160;by one year. As a result, ASU&#160;<font style="white-space: nowrap;">2014-09</font>&#160;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). Because ASU&#160;<font style="white-space: nowrap;">2014-09</font>&#160;does not apply to revenue associated with financial instruments, the Company does not expect the new guidance to have a material impact on the consolidated financial statements. The Company has begun to scope its general ledger revenue items to identify potential performance obligations and will continue to evaluate the impact of adoption on its consolidated financial statements and disclosures.</p>
<p style="widows: 2; text-transform: none; font-style: normal; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman'; white-space: normal; orphans: 2; margin-bottom: 0pt; letter-spacing: normal; color: #000000; font-size: 10pt; font-weight: normal; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">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>
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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>
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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> 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>
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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_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>
<td>us-gaap_</td>
</tr>
<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_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>
<td>us-gaap_</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_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>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</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_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>
</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>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>
<td>us-gaap_</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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</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_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>
<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>
<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_IncomeTaxPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
<td>nonnum:textBlockItemType</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_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>
<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>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_PriorPeriodReclassificationAdjustmentDescription">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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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>
<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 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<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 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=68058157&amp;loc=d3e18780-107790<br><br>Reference 3: 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 (b),(f)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></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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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,209</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average common shares outstanding, including shares considered participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,766</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,727</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(102</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">(105</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average shares of common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,664</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,622</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>.70</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.60</td>
<td
 valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Net income allocated to common stock</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,209</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Undistributed earnings&#160;<font style="white-space: nowrap;">re-allocated</font>&#160;to participating securities</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</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">&#160;</td>
<td align="right" valign="bottom">2</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Numerator for diluted earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>5,339</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,211</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">16,856</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average common shares outstanding for basic earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,664</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,622</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,013</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Incremental shares from stock options</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>62</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">70</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Weighted average shares and dilutive potential common shares</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b></b>&#160;</td>
<td align="right" valign="bottom"><b>7,726</b></td>
<td valign="bottom" nowrap="nowrap"><b></b>&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,692</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">12,192</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Diluted earnings per share</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>.69</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1.59</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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_nick_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 property and equipment estimated useful lives of the asset.</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_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock</td>
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<td>nonnum:textBlockItemType</td>
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<tr>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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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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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for 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 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></p></div>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6769446800">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Finance Receivables (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Mar. 31, 2017</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>
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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_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Schedule of an assessment of the credit quality by creditworthiness</a></td>
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<td></td>
<td></td>
<td valign="bottom" width="3%"></td>
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<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>
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<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>Contracts</b></td>
<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></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 valign="bottom">&#160;&#160;</td>
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<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="white-space: nowrap;">Non-performing</font>&#160;accounts</p>
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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 valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">9,435</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">79</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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom">482,864</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">10,978</td>
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<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Chapter 13 bankruptcy accounts, net of unearned interest</p>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom"><b>4,019</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td
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<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">4,254</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">34</td>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>502,050</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,670</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">487,118</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,012</td>
<td valign="bottom" nowrap="nowrap">&#160;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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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_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember', window );">Contracts</a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
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<tr class="re">
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<td></td>
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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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<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#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: #000000 1pt solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;</td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>502,050</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">487,118</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">447,043</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Unearned interest</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(158,541</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">(152,911</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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>
</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Indirect 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>343,509</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">334,207</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Unearned dealer discounts</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(17,004</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">(18,023</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(17,780</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>326,505</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">316,184</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(16,885</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">(12,265</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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>
</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Indirect finance receivables, net</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>309,620</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">303,919</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of reconciliation of the changes in the allowance for credit losses</a></td>
<td class="text"><div>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;">
<td valign="bottom"></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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>12,265</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,325</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,889</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>36,843</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">25,926</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(34,419</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">(27,963</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Recoveries</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>2,196</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">2,977</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Balance at end of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>16,885</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">12,265</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px
 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table>
</div><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_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock', window );">Schedule of information regarding delinquency rates</a></td>
<td class="text"><div>
<table align="center" style="width: 100%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="63%"></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>
<td valign="bottom" width="3%"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr style="page-break-inside: avoid; 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="page-break-inside: avoid; font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
<p style="border-bottom: #000000 1pt solid; margin-top: 0pt; width: 33.75pt; font-family: times new roman; margin-bottom: 0pt; font-size: 8pt;"><b>Contracts</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt solid;" valign="bottom" colspan="2"><b>31&#160;&#8211;&#160;<br />60&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>61&#160;&#8211;&#160;<br />90&#160;days</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt solid;" valign="bottom" colspan="2"><b>Total</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><b>March&#160;31, 2017</b></p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>498,031</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>25,450</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,388</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>12,197</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>50,035</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
</tr>
<tr style="page-break-inside: avoid; 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>5.11</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>2.49</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>2.45</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>10.05</b></td>
<td valign="bottom" nowrap="nowrap"><b>%&#160;</b></td>
</tr>
<tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">March&#160;31, 2016</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">482,864</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">17,466</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">6,069</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,366</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">26,901</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;">
<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom"></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">3.61</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1.26</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">0.70</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5.57</td>
<td valign="bottom" nowrap="nowrap">%&#160;</td>
</tr>
<tr style="page-break-inside: avoid; font-family: times new roman; font-size: 10pt;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: times new roman; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">March&#160;31, 2015</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">443,083</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">13,694</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,435</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right"
 valign="bottom">1,330</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">18,459</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="page-break-inside: avoid; 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>
</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"><div>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<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; break-inside: avoid;">
<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Direct finance receivables, gross contract</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>10,670</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">11,012</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Unearned interest</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(2,312</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">(2,346</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">(2,367</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>8,358</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">8,666</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(773</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">(748</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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>
</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Direct finance receivables, net</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right"
 valign="bottom"><b>7,585</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,918</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,862</td>
<td valign="bottom" nowrap="nowrap">&#160;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of reconciliation of the changes in the allowance for credit losses</a></td>
<td class="text"><div>
<table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<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; break-inside: avoid;">
<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Balance at beginning of year</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>748</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">703</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">590</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>334</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">352</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Losses absorbed</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(338</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">(328</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Recoveries</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;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">21</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>773</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">748</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">703</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</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_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock', window );">Schedule of information regarding delinquency rates</a></td>
<td class="text"><div>
<table align="center" style="width: 100%; border-collapse: collapse; font-family: times new roman; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
<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="page-break-inside: avoid; font-family: times new roman; font-size: 8pt;">
<td valign="bottom" nowrap="nowrap">
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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>
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<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom"></td>
<td valign="bottom"></td>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Leasehold improvements</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="top"></td>
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<td valign="bottom"></td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<td valign="bottom"></td>
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<td valign="bottom"></td>
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<td valign="bottom">&#160;&#160;&#160;</td>
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<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#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">&#160;</td>
<td align="right" valign="bottom">977</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">167</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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="top"></td>
<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom">3,752</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,462</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">1,290</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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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" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
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<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom" nowrap="nowrap">&#8212;&#160;&#160;</td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom">211,000</td>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">211,000</td>
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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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Federal</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(1,688</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">(254</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">State</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(268</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">(38</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 5em; font-size: 10pt;">Total deferred</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(1,956</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">(292</td>
<td valign="bottom" nowrap="nowrap">)&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>3,331</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,726</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,240</td>
<td valign="bottom" nowrap="nowrap">&#160;</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Schedule of deferred tax assets and liabilities</a></td>
<td class="text"><table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 76%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" 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; break-inside: avoid;">
<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2016</b></td>
<td valign="bottom">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Allowance for credit losses not currently deductible for tax purposes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>7,742</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">5,918</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Share-based compensation</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>487</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">491</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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>(6</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">78</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Other items</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>282</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">128</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Deferred income taxes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>8,505</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">6,615</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
</table><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"><table align="center" style="widows: 2; text-transform: none; text-indent: 0px; width: 84%; border-collapse: collapse; font-family: 'times new roman'; orphans: 2; letter-spacing: normal; font-size: 10pt; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="77%"></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; break-inside: avoid;">
<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="2"><b>2017</b></td>
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Provision for income taxes at Federal statutory rate</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>3,059</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,037</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">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>297</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">660</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Transaction costs</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td align="right" valign="bottom" nowrap="nowrap"><b>&#8212;&#160;&#160;</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom" nowrap="nowrap">&#160;</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">&#160;</td>
<td align="right" valign="bottom">(734</td>
<td valign="bottom" nowrap="nowrap">)&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Other</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>(25</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">29</td>
<td valign="bottom" nowrap="nowrap">&#160;</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;</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>3,331</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">7,726</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">9,240</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-size: 1px;">
<td valign="bottom"></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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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">2018</p>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">2020</p>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">2021</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: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="top"></td>
<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: #000000 3px double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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 valign="bottom">&#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>
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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">&#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>
<td valign="bottom"><b>&#160;</b></td>
<td align="right" valign="bottom"><b>9,102</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>
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<td align="right" valign="bottom"><b>8,883</b></td>
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<td valign="bottom"></td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom"><b>1,803</b></td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom"><b>1,188</b></td>
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<td valign="bottom">&#160;&#160;</td>
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<td align="right" valign="bottom"><b>981</b></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">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
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<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</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>
<td valign="bottom"><b>$</b></td>
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<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
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<td valign="bottom"></td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
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<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Earnings per share:</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>
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<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Basic</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.37</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td
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<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.25</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.21</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>(0.14</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="bottom">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Diluted</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.37</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.25</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>0.21</b></td>
<td valign="bottom" nowrap="nowrap"><b>&#160;</b></td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom"><b>$</b></td>
<td align="right" valign="bottom"><b>(0.14</b></td>
<td valign="bottom" nowrap="nowrap"><b>)&#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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
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<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; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt solid;" valign="bottom" colspan="14"><b>Fiscal Year ended March&#160;31, 2016<br />(In thousands, except earnings per share amounts)</b></td>
<td valign="bottom">&#160;</td>
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<tr style="font-family: 'times new roman'; font-size: 8pt; break-inside: avoid;">
<td valign="bottom">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td align="center" style="border-bottom: #000000 1pt 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: #000000 1pt 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: #000000 1pt 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: #000000 1pt solid;" valign="bottom" colspan="2"><b>Fourth<br />Quarter</b></td>
<td valign="bottom">&#160;</td>
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<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Total revenue</p>
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<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">22,025</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">22,687</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">22,757</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">23,238</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Interest expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,166</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,273</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>
<td
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<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,257</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Provision for credit losses</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4,989</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">6,177</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,599</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">7,513</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;"><font style="white-space: nowrap;">Non-interest</font>&#160;expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,915</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,940</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">8,422</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">9,040</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Operating income before income taxes</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,955</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">5,297</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4,425</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">4,428</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Income tax expense</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,285</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">2,041</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,698</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">&#160;</td>
<td align="right" valign="bottom">1,702</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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px 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: #000000 1px solid;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 1px solid;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">Net income</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,670</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">3,256</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td
 valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,727</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">2,726</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 1em; font-size: 10pt;">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; break-inside: avoid;" bgcolor="#cceeff">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Basic</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.48</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.43</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.36</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px 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: #000000 3px double;">&#160;</p>
</td>
<td valign="bottom">
<p style="margin-top: 0pt; margin-bottom: 0pt; border-top: #000000 3px double;">&#160;</p>
</td>
<td>&#160;</td>
</tr>
<tr style="font-family: 'times new roman'; font-size: 10pt; break-inside: avoid;">
<td valign="top">
<p style="margin-top: 0pt; text-indent: -1em; font-family: 'times new roman'; margin-bottom: 0pt; margin-left: 3em; font-size: 10pt;">Diluted</p>
</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.47</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.42</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</td>
<td valign="bottom" nowrap="nowrap">&#160;</td>
<td valign="bottom">&#160;&#160;</td>
<td valign="bottom">$</td>
<td align="right" valign="bottom">0.35</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">
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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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<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>
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<div>Mar. 31, 2017 </div>
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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>
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<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)<br></strong></div></th>
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<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>
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<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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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6770177488">
<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 1) - 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>Mar. 31, 2017</div></th>
<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, 2017</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_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="num">$ (1,070)<span></span>
</td>
<td class="nump">$ 1,606<span></span>
</td>
<td class="nump">$ 1,970<span></span>
</td>
<td class="nump">$ 2,903<span></span>
</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">$ 5,409<span></span>
</td>
<td class="nump">$ 12,379<span></span>
</td>
<td class="nump">$ 16,856<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">(70)<span></span>
</td>
<td class="num">(170)<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">5,339<span></span>
</td>
<td class="nump">12,209<span></span>
</td>
<td class="nump">16,856<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">$ 5,339<span></span>
</td>
<td class="nump">$ 12,209<span></span>
</td>
<td class="nump">$ 16,856<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">7,766<span></span>
</td>
<td class="nump">7,727<span></span>
</td>
<td class="nump">12,013<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">(102)<span></span>
</td>
<td class="num">(105)<span></span>
</td>
<td class="text">&#160;<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 shares of 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">7,664<span></span>
</td>
<td class="nump">7,622<span></span>
</td>
<td class="nump">12,013<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="num">$ (0.14)<span></span>
</td>
<td class="nump">$ 0.21<span></span>
</td>
<td class="nump">$ 0.25<span></span>
</td>
<td class="nump">$ 0.37<span></span>
</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">$ 0.70<span></span>
</td>
<td class="nump">$ 1.60<span></span>
</td>
<td class="nump">$ 1.40<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">$ 5,339<span></span>
</td>
<td class="nump">$ 12,209<span></span>
</td>
<td class="nump">$ 16,856<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="text">&#160;<span></span>
</td>
<td class="nump">2<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_NetIncomeLossAvailableToCommonStockholdersDiluted', window );">Numerator for diluted 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">$ 5,339<span></span>
</td>
<td class="nump">$ 12,211<span></span>
</td>
<td class="nump">$ 16,856<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">7,664<span></span>
</td>
<td class="nump">7,622<span></span>
</td>
<td class="nump">12,013<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">62<span></span>
</td>
<td class="nump">70<span></span>
</td>
<td class="nump">179<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">7,726<span></span>
</td>
<td class="nump">7,692<span></span>
</td>
<td class="nump">12,192<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="num">$ (0.14)<span></span>
</td>
<td class="nump">$ 0.21<span></span>
</td>
<td class="nump">$ 0.25<span></span>
</td>
<td class="nump">$ 0.37<span></span>
</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">$ 0.69<span></span>
</td>
<td class="nump">$ 1.59<span></span>
</td>
<td class="nump">$ 1.38<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>
<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_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>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</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_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_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>
<td>us-gaap_</td>
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<tr>
<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_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>
<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_NetIncomeLossAvailableToCommonStockholdersDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 or Loss Available to Common Stockholders plus adjustments resulting from the assumption that dilutive convertible 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>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 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_NetIncomeLossAvailableToCommonStockholdersDiluted</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_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_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>
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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: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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<head>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6757478736">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals) - 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>
<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. 31, 2017</div></th>
<th class="th"><div>Mar. 17, 2015</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_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>
<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>
<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="text">&#160;<span></span>
</td>
<td class="nump">7,810<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>
<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>
<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>
<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>
<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="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>
<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>
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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>num:percentItemType</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>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_SignificantAccountingPoliciesLineItems">
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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>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_SignificantAccountingPoliciesLineItems</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: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>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>
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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:sharesItemType</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>instant</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 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>
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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>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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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:sharesItemType</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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<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>
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<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6757437344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals 1) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2017</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2017</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_nick_SummaryOfSignificantAccountingPoliciesLineItems', window );"><strong>Summary Of 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>
<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">$ 195,500<span></span>
</td>
<td class="nump">$ 186,300<span></span>
</td>
<td class="nump">$ 195,500<span></span>
</td>
<td class="nump">$ 186,300<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_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool', window );">Period for maintaining historical write off information with respect to static pool</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses', window );">Percentage of liquidation level assist in determining allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20.00%<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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne', window );">Percentage of liquidation level assist in determining allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo', window );">Percentage of liquidation level assist in determining allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree', window );">Percentage of liquidation level assist in determining allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">80.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour', window );">Percentage of liquidation level assist in determining allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<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_PercentageOfAllowancesIncreasedOfPrincipalAmount', window );">Percentage of allowances increased of principal amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl 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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.08%<span></span>
</td>
<td class="nump">7.51%<span></span>
</td>
<td class="nump">8.08%<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_IncomeTaxesPaid', window );">Cash paid for income taxes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 5,400<span></span>
</td>
<td class="nump">$ 8,500<span></span>
</td>
<td class="nump">$ 7,300<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_InterestPaidNet', window );">Cash paid for interest, including debt origination costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,100<span></span>
</td>
<td class="nump">8,800<span></span>
</td>
<td class="nump">6,100<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_AmortizationOfDeferredSalesCommissions', window );">Amortization of commission for products</a></td>
<td class="num">$ (1,754)<span></span>
</td>
<td class="num">$ (1,662)<span></span>
</td>
<td class="num">$ (1,754)<span></span>
</td>
<td class="num">$ (1,662)<span></span>
</td>
<td class="num">$ (1,266)<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_PercentageOfAllowancesIncreasedOfPrincipalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 allowances increased of principal amount .</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_PercentageOfAllowancesIncreasedOfPrincipalAmount</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 liquidation level assist in determining allowance for credit losses.</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLosses</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 liquidation level assist in determining allowance for credit losses.</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesFour</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 liquidation level assist in determining allowance for credit losses .</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesOne</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 liquidation level assist in determining allowance for credit losses.</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesThree</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 liquidation level assist in determining allowance for credit losses.</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_PercentageOfLiquidationLevelAssistInDeterminingAllowanceForCreditLossesTwo</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_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_nick_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 for maintaining historical write off information with respect to static pool.</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_PeriodForMaintainingHistoricalWriteOffInformationWithRespectToStaticPool</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_SummaryOfSignificantAccountingPoliciesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 Summary of 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_SummaryOfSignificantAccountingPoliciesLineItems</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_AmortizationOfDeferredSalesCommissions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 expense recognized in the current period for the periodic realization of capitalized fees that were paid to salespeople, distributors, brokers, and agents at the time of the conclusion of the sale. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations 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 (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 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.3)<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_AmortizationOfDeferredSalesCommissions</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_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>
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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>
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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_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>
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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>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>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6611102896">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals 2) - shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2017</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_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">161,000<span></span>
</td>
<td class="nump">155,000<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>
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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 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>
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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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<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 );">- 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>
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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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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6756937904">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Detail Textuals 3)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Mar. 31, 2017 </div>
<div>State </div>
<div>Swap</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 | Swap</a></td>
<td class="nump">65<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">28.00%<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">13.00%<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>
</table>
<div style="display: none;">
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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>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 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>instant</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>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>
</div></td></tr>
</table>
<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>
</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_ConcentrationRiskPercentage1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
</tr>
<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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NumberOfStatesInWhichEntityOperates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
<td style="white-space:nowrap;">us-gaap_NumberOfStatesInWhichEntityOperates</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_ConcentrationRiskByBenchmarkAxis=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>
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<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_StatementGeographicalAxis=stpr_FL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_StatementGeographicalAxis=stpr_FL</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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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementGeographicalAxis=stpr_OH">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementGeographicalAxis=stpr_OH</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>
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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_StatementGeographicalAxis=stpr_GA</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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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementGeographicalAxis=stpr_NC</td>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6770667584">
<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, 2017</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_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">$ 317,205<span></span>
</td>
<td class="nump">$ 311,837<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</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">502,050<span></span>
</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="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">(158,541)<span></span>
</td>
<td class="num">(152,911)<span></span>
</td>
<td class="num">(136,896)<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">343,509<span></span>
</td>
<td class="nump">334,207<span></span>
</td>
<td class="nump">310,147<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">(17,004)<span></span>
</td>
<td class="num">(18,023)<span></span>
</td>
<td class="num">(17,780)<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">326,505<span></span>
</td>
<td class="nump">316,184<span></span>
</td>
<td class="nump">292,367<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">(16,885)<span></span>
</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>
</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">$ 309,620<span></span>
</td>
<td class="nump">$ 303,919<span></span>
</td>
<td class="nump">$ 281,042<span></span>
</td>
<td class="text">&#160;<span></span>
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<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>
<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>
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<tr>
<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>
</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_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>
</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_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_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>
</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>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6769727696">
<tr>
<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>Mar. 31, 2017</div></th>
<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, 2017</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_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">$ 13,211<span></span>
</td>
<td class="nump">$ 8,796<span></span>
</td>
<td class="nump">$ 8,144<span></span>
</td>
<td class="nump">$ 7,026<span></span>
</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">$ 37,177<span></span>
</td>
<td class="nump">$ 26,278<span></span>
</td>
<td class="nump">$ 20,371<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>
<td class="text">&#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="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>
<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">36,843<span></span>
</td>
<td class="nump">25,926<span></span>
</td>
<td class="nump">20,008<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">(34,419)<span></span>
</td>
<td class="num">(27,963)<span></span>
</td>
<td class="num">(25,042)<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">2,196<span></span>
</td>
<td class="nump">2,977<span></span>
</td>
<td class="nump">3,470<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="nump">$ 16,885<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">$ 12,265<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">$ 16,885<span></span>
</td>
<td class="nump">$ 12,265<span></span>
</td>
<td class="nump">$ 11,325<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>
<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>
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<tr>
<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_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>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6769404928">
<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, 2017</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_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="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 );">Direct finance receivables, net</a></td>
<td class="nump">$ 317,205<span></span>
</td>
<td class="nump">$ 311,837<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">10,670<span></span>
</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="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">(2,312)<span></span>
</td>
<td class="num">(2,346)<span></span>
</td>
<td class="num">(2,367)<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_DirectFinanceReceivablesNetOfUnearnedInterest', window );">Direct finance receivables, net of unearned interest</a></td>
<td class="nump">8,358<span></span>
</td>
<td class="nump">8,666<span></span>
</td>
<td class="nump">8,565<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">(773)<span></span>
</td>
<td class="num">(748)<span></span>
</td>
<td class="num">(703)<span></span>
</td>
<td class="num">$ (590)<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 );">Direct finance receivables, net</a></td>
<td class="nump">$ 7,585<span></span>
</td>
<td class="nump">$ 7,918<span></span>
</td>
<td class="nump">$ 7,862<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_DirectFinanceReceivablesNetOfUnearnedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 direct finance receivables, net of unearned interest.</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_DirectFinanceReceivablesNetOfUnearnedInterest</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>
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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>
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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>
</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_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>
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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>
</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>
</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>
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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>
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<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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<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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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6757413616">
<tr>
<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>Mar. 31, 2017</div></th>
<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, 2017</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_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">$ 13,211<span></span>
</td>
<td class="nump">$ 8,796<span></span>
</td>
<td class="nump">$ 8,144<span></span>
</td>
<td class="nump">$ 7,026<span></span>
</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">$ 37,177<span></span>
</td>
<td class="nump">$ 26,278<span></span>
</td>
<td class="nump">$ 20,371<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="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>
<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">334<span></span>
</td>
<td class="nump">352<span></span>
</td>
<td class="nump">362<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">(338)<span></span>
</td>
<td class="num">(328)<span></span>
</td>
<td class="num">(277)<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">29<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="nump">28<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="nump">$ 773<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">$ 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">$ 773<span></span>
</td>
<td class="nump">$ 748<span></span>
</td>
<td class="nump">$ 703<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>
<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_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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6770531840">
<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, 2017</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_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">$ 498,031<span></span>
</td>
<td class="nump">$ 482,864<span></span>
</td>
<td class="nump">$ 443,083<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">502,050<span></span>
</td>
<td class="nump">487,118<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">473,446<span></span>
</td>
<td class="nump">473,429<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">24,585<span></span>
</td>
<td class="nump">9,435<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_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts', window );">Finance receivables, gross contract</a></td>
<td class="nump">4,019<span></span>
</td>
<td class="nump">4,254<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">10,628<span></span>
</td>
<td class="nump">10,978<span></span>
</td>
<td class="nump">$ 10,912<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">10,670<span></span>
</td>
<td class="nump">11,012<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">10,406<span></span>
</td>
<td class="nump">10,899<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">222<span></span>
</td>
<td class="nump">79<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_NotesReceivableGrossAmountIncludingChapter13BankruptAccounts', window );">Finance receivables, gross contract</a></td>
<td class="nump">$ 42<span></span>
</td>
<td class="nump">$ 34<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>
</table>
<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>
</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_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_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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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></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_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>
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<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_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>
<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_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>
</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_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>
</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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<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>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R41.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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6770261760">
<tr>
<th class="tl" colspan="1" rowspan="2"><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" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2017</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_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">$ 498,031<span></span>
</td>
<td class="nump">$ 482,864<span></span>
</td>
<td class="nump">$ 443,083<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">$ 50,035<span></span>
</td>
<td class="nump">$ 26,901<span></span>
</td>
<td class="nump">$ 18,459<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_FinancingReceivablePercentPastDue', window );">Total (in percentage)</a></td>
<td class="nump">10.05%<span></span>
</td>
<td class="nump">5.57%<span></span>
</td>
<td class="nump">4.17%<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 );">Gross Balance Outstanding</a></td>
<td class="nump">$ 10,628<span></span>
</td>
<td class="nump">$ 10,978<span></span>
</td>
<td class="nump">$ 10,912<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">$ 413<span></span>
</td>
<td class="nump">$ 240<span></span>
</td>
<td class="nump">$ 179<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_FinancingReceivablePercentPastDue', window );">Total (in percentage)</a></td>
<td class="nump">3.89%<span></span>
</td>
<td class="nump">2.19%<span></span>
</td>
<td class="nump">1.64%<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">$ 25,450<span></span>
</td>
<td class="nump">$ 17,466<span></span>
</td>
<td class="nump">$ 13,694<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_FinancingReceivablePercentPastDue', window );">Total (in percentage)</a></td>
<td class="nump">5.11%<span></span>
</td>
<td class="nump">3.61%<span></span>
</td>
<td class="nump">3.09%<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="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">$ 191<span></span>
</td>
<td class="nump">$ 161<span></span>
</td>
<td class="nump">$ 122<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_FinancingReceivablePercentPastDue', window );">Total (in percentage)</a></td>
<td class="nump">1.80%<span></span>
</td>
<td class="nump">1.47%<span></span>
</td>
<td class="nump">1.12%<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">$ 12,388<span></span>
</td>
<td class="nump">$ 6,069<span></span>
</td>
<td class="nump">$ 3,435<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_FinancingReceivablePercentPastDue', window );">Total (in percentage)</a></td>
<td class="nump">2.49%<span></span>
</td>
<td class="nump">1.26%<span></span>
</td>
<td class="nump">0.78%<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 );">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="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">$ 67<span></span>
</td>
<td class="nump">$ 41<span></span>
</td>
<td class="nump">$ 42<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_FinancingReceivablePercentPastDue', window );">Total (in percentage)</a></td>
<td class="nump">0.63%<span></span>
</td>
<td class="nump">0.37%<span></span>
</td>
<td class="nump">0.38%<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">$ 12,197<span></span>
</td>
<td class="nump">$ 3,366<span></span>
</td>
<td class="nump">$ 1,330<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_FinancingReceivablePercentPastDue', window );">Total (in percentage)</a></td>
<td class="nump">2.45%<span></span>
</td>
<td class="nump">0.70%<span></span>
</td>
<td class="nump">0.30%<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="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">$ 155<span></span>
</td>
<td class="nump">$ 38<span></span>
</td>
<td class="nump">$ 15<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_FinancingReceivablePercentPastDue', window );">Total (in percentage)</a></td>
<td class="nump">1.46%<span></span>
</td>
<td class="nump">0.35%<span></span>
</td>
<td class="nump">0.14%<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_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_FinancingReceivablePercentPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percent of financing receivables 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;">us-gaap_FinancingReceivablePercentPastDue</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_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>
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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>
</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>
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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><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_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>
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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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
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<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>
<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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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</td>
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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> Balance Type:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6757703104">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Finance Receivables (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>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2017</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_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">$ 317,205<span></span>
</td>
<td class="nump">$ 311,837<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">22.37%<span></span>
</td>
<td class="nump">22.67%<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">$ 309,620<span></span>
</td>
<td class="nump">$ 303,919<span></span>
</td>
<td class="nump">$ 281,042<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">25.62%<span></span>
</td>
<td class="nump">25.72%<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">$ 7,585<span></span>
</td>
<td class="nump">$ 7,918<span></span>
</td>
<td class="nump">$ 7,862<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<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">72 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">$ 11<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>
<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_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>
</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_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>
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<FILENAME>R43.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6929342656">
<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, 2017</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_PercentageOfPaymentContractuallyForDelinquent', window );">Percentage of payment contractually for delinquent</a></td>
<td class="nump">25.00%<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_DelinquentAccountCriteriaPeriod', window );">Criteria for receivable to be delinquent account</a></td>
<td class="text">180 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_PercentageOfPaymentContractuallyForDelinquent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 payment contractually for delinquent.</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_PercentageOfPaymentContractuallyForDelinquent</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>
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<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>
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<tr>
<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>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6757408576">
<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, 2017</div></th>
<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_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">$ 3,928<span></span>
</td>
<td class="nump">$ 3,752<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">2,744<span></span>
</td>
<td class="nump">2,462<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">1,184<span></span>
</td>
<td class="nump">1,290<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">712<span></span>
</td>
<td class="nump">623<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">459<span></span>
</td>
<td class="nump">413<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">253<span></span>
</td>
<td class="nump">210<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">1,476<span></span>
</td>
<td class="nump">1,473<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">851<span></span>
</td>
<td class="nump">664<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">625<span></span>
</td>
<td class="nump">809<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">546<span></span>
</td>
<td class="nump">512<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">427<span></span>
</td>
<td class="nump">408<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">119<span></span>
</td>
<td class="nump">104<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">1,194<span></span>
</td>
<td class="nump">1,144<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">1,007<span></span>
</td>
<td class="nump">977<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">$ 187<span></span>
</td>
<td class="nump">$ 167<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>
</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_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>
</tr>
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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>
</tr>
<tr>
<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_PropertyPlantAndEquipmentByTypeAxis=us-gaap_EquipmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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>
</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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<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>
</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_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>
<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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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6754520000">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Property and Equipment (Details Textuals) - USD ($)<br></strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2016</div></th>
<th class="th"><div>Mar. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, Plant and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_AmountOfCapitalizedNewLoanOperatingSystem', window );">Amount of capitalized new loan operating system</a></td>
<td class="nump">$ 350,000<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_ImpairmentChargeOnReclassifiedAssets', window );">Impairment charge</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 350,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_AmountOfCapitalizedNewLoanOperatingSystem">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 capitalization new loan operating system.</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_AmountOfCapitalizedNewLoanOperatingSystem</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_ImpairmentChargeOnReclassifiedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the asset that is reclassified back to held and used from held-for-sale, the amount of impairment charge that is recognized on the reclassification 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 360<br> -SubTopic 10<br> -Section 35<br> -Paragraph 44<br> -URI http://asc.fasb.org/extlink&amp;oid=29634951&amp;loc=d3e1756-110224<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 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=68055307&amp;loc=d3e2459-110228<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_ImpairmentChargeOnReclassifiedAssets</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_PropertyPlantAndEquipmentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_PropertyPlantAndEquipmentAbstract</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>
</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>
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<DOCUMENT>
<TYPE>XML
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<html>
<head>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6929406656">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Line of Credit (Detail Textuals) - Line of credit facility - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 29, 2016</div></th>
<th class="th"><div>Mar. 31, 2017</div></th>
<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_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>
</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_LineOfCreditFacilityMaximumBorrowingCapacity', window );">Line of credit facility amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 225.0<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_DebtInstrumentBasisSpreadOnVariableRate1', window );">Debt Instrument, Basis Spread on Variable Rate</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.50%<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_DebtInstrumentDescriptionOfVariableRateBasis', window );">Debt instrument description of variable rate basis</a></td>
<td class="text">30 day LIBOR<span></span>
</td>
<td class="text">30 day LIBOR<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_LineOfCreditFacilityFloorRate', window );">Line of credit facility, floor rate</a></td>
<td class="nump">1.00%<span></span>
</td>
<td class="nump">1.00%<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_LineOfCreditFacilityInterestRateAtPeriodEnd', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.50%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_LineOfCreditFacilityFloorRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 floor rate related to line of 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;">nick_LineOfCreditFacilityFloorRate</td>
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<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>
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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>
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<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>
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<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_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>
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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_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_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>
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<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>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>64
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<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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6927359440">
<tr>
<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, 2017</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_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>
</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 );">Periodic change in fair value of interest rate swap agreements</a></td>
<td class="nump">$ 222<span></span>
</td>
<td class="num">$ (24)<span></span>
</td>
<td class="num">$ (364)<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_PeriodicSettlementsIncludedInInterestExpense', window );">Periodic settlement differentials included in interest expense</a></td>
<td class="num">(179)<span></span>
</td>
<td class="num">(343)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_PreTaxIncomeLossGainRecognizedInIncome', window );">Gain (loss) recognized in income</a></td>
<td class="nump">$ 43<span></span>
</td>
<td class="num">$ (367)<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_PeriodicSettlementsIncludedInInterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">nick_PeriodicSettlementsIncludedInInterestExpense</td>
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<tr>
<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>
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<td><strong> Period Type:</strong></td>
<td>duration</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_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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<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>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</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_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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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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_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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<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>duration</td>
</tr>
</table></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>65
<FILENAME>R48.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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6611097280">
<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, 2017</div></th>
<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_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>
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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_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">0.58%<span></span>
</td>
<td class="nump">0.26%<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>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_nick_DerivativeAverageFixedInterestRatePaid">
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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>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>
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<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>
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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>
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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>
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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>
<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>66
<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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6754701856">
<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, 2017 </div>
<div>Swap</div>
</th>
<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_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>
</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_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>67
<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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</head>
<body>
<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6757952976">
<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, 2017</div></th>
<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_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="text">&#160;<span></span>
</td>
<td class="num">$ (205)<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_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>
</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_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="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_InterestRateDerivativeAssetsAtFairValue', window );">Interest rate swap agreements - asset</a></td>
<td class="nump">$ 17<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="text">&#160;<span></span>
</td>
<td class="num">(205)<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_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>
</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_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="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_InterestRateDerivativeAssetsAtFairValue', window );">Interest rate swap agreements - asset</a></td>
<td class="text"> <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="text">&#160;<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_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="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>
</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_InterestRateDerivativeAssetsAtFairValue', window );">Interest rate swap agreements - asset</a></td>
<td class="nump">17<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="text">&#160;<span></span>
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<td class="num">(205)<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"> <span></span>
</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_InterestRateDerivativeLiabilitiesAtFairValue', window );">Interest rate swap agreements - liability</a></td>
<td class="text">&#160;<span></span>
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<td class="text"> <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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<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 assets, which includes all such derivative instruments in hedging and nonhedging relationships that are recognized as 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 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>
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<td>debit</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">
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6756921696">
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<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, 2017</div></th>
<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_FairValueByMeasurementBasisAxis=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="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">$ 2,855<span></span>
</td>
<td class="nump">$ 1,849<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">317,205<span></span>
</td>
<td class="nump">311,837<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">213,000<span></span>
</td>
<td class="nump">211,000<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_FairValueByMeasurementBasisAxis=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="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">2,855<span></span>
</td>
<td class="nump">1,849<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">317,205<span></span>
</td>
<td class="nump">311,837<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">213,000<span></span>
</td>
<td class="nump">211,000<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_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">2,855<span></span>
</td>
<td class="nump">1,849<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="text"> <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="text"> <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>
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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_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="text"> <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="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_LinesOfCreditFairValueDisclosure', window );">Line of credit</a></td>
<td class="nump">213,000<span></span>
</td>
<td class="nump">211,000<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_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="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_NotesReceivableFairValueDisclosure', window );">Finance receivables</a></td>
<td class="nump">317,205<span></span>
</td>
<td class="nump">311,837<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="text"> <span></span>
</td>
<td class="text"> <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>
</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_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems</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>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table>
<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 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>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_NotesReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
<td style="white-space:nowrap;">us-gaap_NotesReceivableFairValueDisclosure</td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6758368000">
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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>
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<tr><th class="th"><div>Mar. 31, 2017</div></th></tr>
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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_nick_FinancialInstrumentsNotMeasuredAtFairValueLineItems', window );"><strong>Financial Instruments Not Measured At Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
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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>
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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 );">Contracts | Maximum</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_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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<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>
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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 );">Direct Loans | 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>
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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_InitialTermsOfFinanceReceivables', window );">Initial term of finance receivables</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_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_FinanceReceivablesMember', window );">Direct Loans | 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>
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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_InitialTermsOfFinanceReceivables', window );">Initial term of finance receivables</a></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">
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<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>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6757950672">
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<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>Mar. 31, 2017</div></th>
<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, 2017</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_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Current:</strong></a></td>
<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>
</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>
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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_CurrentFederalTaxExpenseBenefit', window );">Federal</a></td>
<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>
</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="nump">$ 4,563<span></span>
</td>
<td class="nump">$ 6,964<span></span>
</td>
<td class="nump">$ 7,688<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_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">724<span></span>
</td>
<td class="nump">1,054<span></span>
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<td class="nump">1,196<span></span>
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<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">5,287<span></span>
</td>
<td class="nump">8,018<span></span>
</td>
<td class="nump">8,884<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_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Deferred:</strong></a></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>
</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>
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<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_DeferredFederalIncomeTaxExpenseBenefit', window );">Federal</a></td>
<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>
</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="num">(1,688)<span></span>
</td>
<td class="num">(254)<span></span>
</td>
<td class="nump">308<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_DeferredStateAndLocalIncomeTaxExpenseBenefit', window );">State</a></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>
</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">(268)<span></span>
</td>
<td class="num">(38)<span></span>
</td>
<td class="nump">48<span></span>
</td>
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<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">(1,956)<span></span>
</td>
<td class="num">(292)<span></span>
</td>
<td class="nump">356<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_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="num">$ (641)<span></span>
</td>
<td class="nump">$ 981<span></span>
</td>
<td class="nump">$ 1,188<span></span>
</td>
<td class="nump">$ 1,803<span></span>
</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">$ 3,331<span></span>
</td>
<td class="nump">$ 7,726<span></span>
</td>
<td class="nump">$ 9,240<span></span>
</td>
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<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>
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<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>
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<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>
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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_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
<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>
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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>
<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></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">
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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_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract</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_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>
<td>us-gaap_</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</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>
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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>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6703129136">
<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, 2017</div></th>
<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>
<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">$ 7,742<span></span>
</td>
<td class="nump">$ 5,918<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_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost', window );">Share-based compensation</a></td>
<td class="nump">487<span></span>
</td>
<td class="nump">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_DeferredTaxAssetsDerivativeInstruments', window );">Interest rate swap agreements</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">78<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">282<span></span>
</td>
<td class="nump">128<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">$ 8,505<span></span>
</td>
<td class="nump">$ 6,615<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_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>
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<tr>
<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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<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>
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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: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_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>
</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>
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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 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">
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<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">
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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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<tr>
<th class="th"><div>Mar. 31, 2017</div></th>
<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, 2017</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="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>
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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="nump">$ 3,059<span></span>
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<td class="nump">$ 7,037<span></span>
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<td class="nump">$ 9,134<span></span>
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</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="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>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="nump">297<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="text">&#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>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="num">(734)<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_IncomeTaxReconciliationOtherAdjustments', window );">Other</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>
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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="num">(25)<span></span>
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<td class="num">$ (641)<span></span>
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<td class="nump">$ 981<span></span>
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<td class="nump">$ 1,188<span></span>
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<td class="nump">$ 1,803<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>
</td>
<td class="nump">$ 3,331<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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<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>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">
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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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<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>
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<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>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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</div></td></tr>
</table>
<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><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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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6929244480">
<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="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2017</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_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>
<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">38.11%<span></span>
</td>
<td class="nump">38.43%<span></span>
</td>
<td class="nump">35.41%<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_IncomeTaxReconciliationNondeductibleExpense', window );">Non-deductible expenses</a></td>
<td class="text">&#160;<span></span>
</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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<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_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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<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>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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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6612175680">
<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>
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<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>
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<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>
<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>
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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>
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<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_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>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>75
<FILENAME>R58.htm
<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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6757791488">
<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, 2017 </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_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised</a></td>
<td class="num">(9)<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited</a></td>
<td class="num">(15)<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="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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at March 31, 2016</a></td>
<td class="nump">357<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Granted</a></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_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised</a></td>
<td class="num">(9)<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited</a></td>
<td class="num">(15)<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at March 31, 2017</a></td>
<td class="nump">333<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable at March 31, 2017</a></td>
<td class="nump">244<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward', window );"><strong>Weighted Average Exercise Price</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at March 31, 2016 | $ / 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_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted | $ / shares</a></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_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised | $ / shares</a></td>
<td class="nump">5.76<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_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice', window );">Forfeited | $ / shares</a></td>
<td class="nump">12.36<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at March 31, 2017 | $ / shares</a></td>
<td class="nump">10.08<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at March 31, 2017 | $ / shares</a></td>
<td class="nump">$ 8.78<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract', window );"><strong>Weighted Average Remaining Contractual Term</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_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2', window );">Outstanding at March 31, 2017</a></td>
<td class="text">4 years 9 months<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_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1', window );">Exercisable at March 31, 2017</a></td>
<td class="text">3 years 9 months 15 days<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_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueAbstract', window );"><strong>Aggregate Intrinsic Value</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue', window );">Outstanding at March 31, 2017 | $</a></td>
<td class="nump">$ 663<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_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1', window );">Exercisable at March 31, 2017 | $</a></td>
<td class="nump">$ 663<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>
</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_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_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_PlanNameAxis=nick_EquityPlansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_EquityPlansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<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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<tr>
<td><strong> Period Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>76
<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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6758161664">
<tr>
<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, 2017 </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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward', 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted</a></td>
<td class="nump">48<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 );">Equity plan</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward', 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Non-vested at March 31, 2016</a></td>
<td class="nump">82<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted</a></td>
<td class="nump">48<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested</a></td>
<td class="num">(40)<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Forfeited</a></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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Non-vested at March 31, 2017</a></td>
<td class="nump">90<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward', window );"><strong>Weighted Average Grant Date Fair Value</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Non-vested at March 31, 2016 | $ / shares</a></td>
<td class="nump">$ 13.78<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted | $ / shares</a></td>
<td class="nump">10.78<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested | $ / shares</a></td>
<td class="nump">14.37<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue', window );">Forfeited | $ / shares</a></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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Non-vested at March 31, 2017 | $ / shares</a></td>
<td class="nump">$ 11.95<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract', 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms', window );">Non-vested at March 31, 2017</a></td>
<td class="text">1 year 9 months 29 days<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedIntrinsicValueRollForward', window );"><strong>Aggregate Intrinsic Value</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_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueNonvested', window );">Non-vested at March 31, 2017 | $</a></td>
<td class="nump">$ 952<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract</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>
</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
</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>
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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>
</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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
</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>
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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>
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</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>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>
</tr>
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<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>
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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>
</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_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>
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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>
<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_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>
</table>
<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>
</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_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>
</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_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>
</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>
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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>
</div></td></tr>
</table>
<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>
</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>
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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>
<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_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>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6754608544">
<tr>
<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>
</tr>
<tr>
<th class="th">
<div>Mar. 31, 2017 </div>
<div>USD ($) </div>
<div>EquityPlan </div>
<div>shares</div>
</th>
<th class="th">
<div>Mar. 31, 2016 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 31, 2015 </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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue', window );">Total intrinsic value of options exercised | $</a></td>
<td class="nump">$ 46,500<span></span>
</td>
<td class="nump">$ 82,000<span></span>
</td>
<td class="nump">$ 1,829,000<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</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;">
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<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>
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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></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>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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<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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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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>
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<tr>
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<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>
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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_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</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 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>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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 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>
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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>
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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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<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>
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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>
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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_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;">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TitleOfIndividualAxis=us-gaap_DirectorMember</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">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TitleOfIndividualAxis=nick_EmployeesAndDirectorsMember</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></div>
</div></td></tr>
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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>
<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>
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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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<tr>
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<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>
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<body>
<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6758328128">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Payments (Detail Textuals 1) - USD ($)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2017</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Cash received from exercise of option</a></td>
<td class="nump">$ 50,000<span></span>
</td>
<td class="nump">$ 85,000<span></span>
</td>
<td class="nump">$ 389,000<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">9,000<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Number of stock options forfeited</a></td>
<td class="nump">15,000<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">$ 137,500<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">11.44<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">8.21<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">$ 12.97<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Number of shares awarded</a></td>
<td class="nump">48,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_nick_NumberOfShareGrantedEmployeesMaximumAccountReached', window );">Number of share granted employees maximum account reached</a></td>
<td class="nump">18,000<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_ThresholdLimitOfNumberOfShareGranted', window );">Threshold limit of number of share 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>
</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_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 645,000<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_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted-average period expected to be recognized</a></td>
<td class="text">1 year 9 months 18 days<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_NumberOfShareGrantedEmployeesMaximumAccountReached">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 number of share granted employees maximum account reached.</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_NumberOfShareGrantedEmployeesMaximumAccountReached</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_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_nick_ThresholdLimitOfNumberOfShareGranted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 threshold limit of share granted .</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_ThresholdLimitOfNumberOfShareGranted</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_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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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>
</div>
</body>
</html>
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</DOCUMENT>
<DOCUMENT>
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<SEQUENCE>79
<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;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6759656560">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Detail Textuals) - USD ($)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2017</div></th>
<th class="th"><div>Mar. 31, 2016</div></th>
<th class="th"><div>Mar. 31, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeBenefitsAndShareBasedCompensationAbstract', window );"><strong>Employee Benefits and Share-Based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanCostRecognized', window );">Retirement plan 401(k) recorded expenses</a></td>
<td class="nump">$ 7,000<span></span>
</td>
<td class="nump">$ 7,000<span></span>
</td>
<td class="nump">$ 7,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanCostRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
</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_EmployeeBenefitsAndShareBasedCompensationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_EmployeeBenefitsAndShareBasedCompensationAbstract</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>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>80
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<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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</head>
<body>
<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6929295040">
<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, 2017 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent', window );">2018</a></td>
<td class="nump">$ 2,023<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 );">2019</a></td>
<td class="nump">1,557<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 );">2020</a></td>
<td class="nump">756<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 );">2021</a></td>
<td class="nump">75<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_OperatingLeasesFutureMinimumPaymentsDue', window );">Total</a></td>
<td class="nump">$ 4,411<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_CommitmentsAndContingenciesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_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>
</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_OperatingLeasesFutureMinimumPaymentsDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
</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_OperatingLeasesFutureMinimumPaymentsDueCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent</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_OperatingLeasesFutureMinimumPaymentsDueInFourYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
<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_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>
<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_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>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6759666208">
<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, 2017</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_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>
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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_LeaseAndRentalExpense', window );">Rent expense</a></td>
<td class="nump">$ 2.4<span></span>
</td>
<td class="nump">$ 2.3<span></span>
</td>
<td class="nump">$ 2.1<span></span>
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</tr>
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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>
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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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<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_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>
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<span style="display: none;">v3.7.0.1</span><table class="report" border="0" cellspacing="2" id="idp6758214768">
<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>Mar. 31, 2017</div></th>
<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, 2017</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_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_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles', window );">Total revenue</a></td>
<td class="nump">$ 22,860<span></span>
</td>
<td class="nump">$ 22,044<span></span>
</td>
<td class="nump">$ 22,647<span></span>
</td>
<td class="nump">$ 22,915<span></span>
</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">$ 90,466<span></span>
</td>
<td class="nump">$ 90,707<span></span>
</td>
<td class="nump">$ 86,790<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">2,477<span></span>
</td>
<td class="nump">2,258<span></span>
</td>
<td class="nump">2,243<span></span>
</td>
<td class="nump">2,244<span></span>
</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">9,222<span></span>
</td>
<td class="nump">9,007<span></span>
</td>
<td class="nump">5,970<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">13,211<span></span>
</td>
<td class="nump">8,796<span></span>
</td>
<td class="nump">8,144<span></span>
</td>
<td class="nump">7,026<span></span>
</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">37,177<span></span>
</td>
<td class="nump">26,278<span></span>
</td>
<td class="nump">20,371<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">8,883<span></span>
</td>
<td class="nump">8,403<span></span>
</td>
<td class="nump">9,102<span></span>
</td>
<td class="nump">8,939<span></span>
</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="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="num">(1,711)<span></span>
</td>
<td class="nump">2,587<span></span>
</td>
<td class="nump">3,158<span></span>
</td>
<td class="nump">4,706<span></span>
</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">8,740<span></span>
</td>
<td class="nump">20,105<span></span>
</td>
<td class="nump">26,096<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="num">(641)<span></span>
</td>
<td class="nump">981<span></span>
</td>
<td class="nump">1,188<span></span>
</td>
<td class="nump">1,803<span></span>
</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">3,331<span></span>
</td>
<td class="nump">7,726<span></span>
</td>
<td class="nump">9,240<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="num">$ (1,070)<span></span>
</td>
<td class="nump">$ 1,606<span></span>
</td>
<td class="nump">$ 1,970<span></span>
</td>
<td class="nump">$ 2,903<span></span>
</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">$ 5,409<span></span>
</td>
<td class="nump">$ 12,379<span></span>
</td>
<td class="nump">$ 16,856<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="num">$ (0.14)<span></span>
</td>
<td class="nump">$ 0.21<span></span>
</td>
<td class="nump">$ 0.25<span></span>
</td>
<td class="nump">$ 0.37<span></span>
</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">$ 0.70<span></span>
</td>
<td class="nump">$ 1.60<span></span>
</td>
<td class="nump">$ 1.40<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="num">$ (0.14)<span></span>
</td>
<td class="nump">$ 0.21<span></span>
</td>
<td class="nump">$ 0.25<span></span>
</td>
<td class="nump">$ 0.37<span></span>
</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">$ 0.69<span></span>
</td>
<td class="nump">$ 1.59<span></span>
</td>
<td class="nump">$ 1.38<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>
</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_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_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_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>
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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>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>
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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 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>
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<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_QuarterlyFinancialDataAbstract">
<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 );">- 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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
