Summarized information by segment and reconciliations to Adjusted EBITDA and income (loss) before income taxes is as follows (in thousands):



	Three Months Ended June 30, 2014
	Lending		Other			Corporate			Total
Revenue	$	39,049	$	3,095		$	—		$	42,144
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	1,773		122			—			1,895
Selling and marketing expense	26,952		2,012			—			28,964
General and administrative expense	1,247		615			3,616			5,478
Product development	1,474		352			—			1,826
Depreciation	400		441			105			946
Amortization of intangibles	—		27			—			27
Restructuring and severance	14		—			9			23
Litigation settlements and contingencies	—		—			385			385
Total costs and expenses	31,860		3,569			4,115			39,544
Operating income (loss)	7,189		(474		)	(4,115		)	2,600
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		27			—			27
Depreciation	400		441			105			946
Restructuring and severance	14		—			9			23
Loss on disposal of assets	—		27			17			44
Non-cash compensation	528		169			724			1,421
Acquisition expense	—		74			—			74
Litigation settlements and contingencies	—		—			385			385
Adjusted EBITDA	$	8,131	$	264		$	(2,875	)	$	5,520

Operating income									$	2,600
Interest expense									—
Income before income taxes									$	2,600



	Three Months Ended June 30, 2013 ^(a)
	Lending		Other			Corporate			Total
Revenue	$	33,781	$	3,003		$	622		$	37,406
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	1,395		163			392			1,950
Selling and marketing expense	24,119		2,262			5			26,386
General and administrative expense	874		420			4,357			5,651
Product development	1,226		266			—			1,492
Depreciation	345		426			101			872
Amortization of intangibles	—		43			—			43
Restructuring and severance	23		125			—			148
Litigation settlements and contingencies	—		—			2,909			2,909
Total costs and expenses	27,982		3,705			7,764			39,451
Operating income (loss)	5,799		(702		)	(7,142		)	(2,045		)
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		43			—			43
Depreciation	345		426			101			872
Restructuring and severance	23		125			—			148
Loss on disposal of assets	—		—			—			—
Non-cash compensation	483		95			854			1,432
Litigation settlements and contingencies	—		—			2,909			2,909
Adjusted EBITDA	$	6,650	$	(13	)	$	(3,278	)	$	3,359

Operating loss									$	(2,045	)
Interest expense									(7		)
Loss before income taxes									$	(2,052	)


(a)	For comparative purposes, revenue from and expenses related to personal loan offerings have been recast from the "Other" category to the lending segment.



	Six Months Ended June 30, 2014
	Lending		Other			Corporate			Total
Revenue	$	75,977	$	6,203		$	—		$	82,180
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	3,318		242			—			3,560
Selling and marketing expense	52,571		3,842			—			56,413
General and administrative expense	2,493		1,397			7,721			11,611
Product development	3,097		661			—			3,758
Depreciation	763		734			204			1,701
Amortization of intangibles	—		55			—			55
Restructuring and severance	162		15			48			225
Litigation settlements and contingencies	—		—			8,092			8,092
Total costs and expenses	62,404		6,946			16,065			85,415
Operating income (loss)	13,573		(743		)	(16,065		)	(3,235		)
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		55			—			55
Depreciation	763		734			204			1,701
Restructuring and severance	162		15			48			225
Loss on disposal of assets	—		35			17			52
Non-cash compensation	1,127		434			1,476			3,037
Acquisition expense	—		74			—			74
Litigation settlements and contingencies	—		—			8,092			8,092
Adjusted EBITDA	$	15,625	$	604		$	(6,228	)	$	10,001

Operating loss									(3,235		)
Interest expense									—
Loss before income taxes									$	(3,235	)



	Six Months Ended June 30, 2013 ^(a)
	Lending		Other			Corporate			Total
Revenue	$	59,454	$	5,410		$	622		$	65,486
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	2,550		337			419			3,306
Selling and marketing expense	39,279		4,357			5			43,641
General and administrative expense	1,852		930			9,425			12,207
Product development	2,176		521			—			2,697
Depreciation	719		843			195			1,757
Amortization of intangibles	—		86			—			86
Restructuring and severance	23		125			(2		)	146
Litigation settlements and contingencies	—		—			3,937			3,937
Total costs and expenses	46,599		7,199			13,979			67,777
Operating income (loss)	12,855		(1,789		)	(13,357		)	(2,291		)
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		86			—			86
Depreciation	719		843			195			1,757
Restructuring and severance	23		125			(2		)	146
Loss on disposal of assets	—		—			24			24
Non-cash compensation	896		237			1,733			2,866
Discretionary cash bonus	—		—			920			920
Litigation settlements and contingencies	—		—			3,937			3,937
Adjusted EBITDA	$	14,493	$	(498	)	$	(6,550	)	$	7,445

Operating loss									(2,291		)
Interest expense									(14		)
Loss before income taxes									$	(2,305	)


(a)	For comparative purposes, revenue from and expenses related to personal loan offerings have been recast from the "Other" category to the lending segment.