1. Summary of Significant Accounting Policies (Tables)

9 Months Ended

Sep. 30, 2012

Summary Of Significant Accounting Policies Tables

Other Income

The following table presents the primary components of Other Income for the three-month and nine-month periods ending September 30, 2012 and 2011:

	Three Months Ended					Nine Months Ended
	September 30,					September 30,
	2012			2011		2012		2011
	(In thousands)					(In thousands)
Direct mail revenues	$	1,617		$	1,548	$	4,468	$	3,903
Convenience fee revenue		715			678		2,237		2,068
Recoveries on previously charged-off contracts		67			120		312		469
Sales tax refunds		59			76		186		323
Other		(93	)		170		278		438
Other income for the period	$	2,365		$	2,592	$	7,481	$	7,201

Stock-based Compensation

The following represents stock option activity for the nine months ended September 30, 2012:

						Weighted
						Average
	Number of			Weighted		Remaining
	Shares			Average		Contractual
	(in thousands)			Exercise Price		Term
Options outstanding at the beginning of period		8,431		$	1.53	N/A
Granted		1,173			1.44	N/A
Exercised		(356	)		1.40	N/A
Forfeited		(487	)		1.41	N/A
Options outstanding at the end of period		8,761		$	1.53	6.20 years
Options exercisable at the end of period		5,773		$	1.69	4.97 years