Not B Segments The Company manages its business by three distinct operating segments: Consumer Lending, Auto Finance and International. The Consumer Lending segment primarily consists of domestic credit card and installment lending activities. The Auto Finance segment consists of automobile lending activities. The International segment consists primarily of credit card lending activities outside the United States. The Consumer Lending, Auto Finance and International segments are disclosed separately. The “Other” caption includes the Company’s liquidity portfolio, new business initiatives, investments in external companies, and various non-lending activities. The “Other” caption also includes the net impact of transfer pricing, certain unallocated expenses, and gains/losses related to the securitization of assets.  The accounting policies of the reportable segments are the same as those described in the summary of significant accounting policies. Revenue for all The Company maintains its books and records on a legal entity basis for the preparation of financial statements in conformity with GAAP. The following tables present information prepared from the Company’s internal management information system, which is maintained on a line of business level through allocations from legal entities.  Management decision making is performed on a managed portfolio basis. An adjustment to reconcile the managed financial information to the reported financial information in the consolidated financial statements is provided. This adjustment reclassifies a portion of net interest income, non- interest income and provision for loan losses into non-interest income from servicing and securitization. segments is derived from external parties. Performance evaluation of and resource allocation to each line of business within each reportable segment is based on a wide range of indicators to include both historical and forecasted operating results. 56 Consumer Auto Total Securitization Total Lending Finance International Other Managed Adjustments Reported For the Year Ended December 31, 2002 Net interest income $ 4,277,298 $ 544,501 $ 397,452 $ 65,087 $ 5,284,338 $ (2,565,226) $ 2,719,112 Non-interest income 4,076,925 65,509 276,696 (7,956) 4,411,174 1,055,662 5,466,836 Provision for loan losses 2,992,579 361,717 230,345 74,251 3,658,892 (1,509,564) 2,149,328 Non-interest expenses 3,679,342 231,741 501,068 173,430 4,585,581 - 4,585,581 Income tax provision (benefit) 639,275 6,290 (21,699) (72,471) 551,395 - 551,395 Net income (loss) $ 1,043,027 $ 10,262 $ (35,566) $ (118,079) $ 899,644 $ - $ 899,644 Loans receivable $ 47,290,100 $ 6,992,541 $ 5,330,541 $ 133,355 $ 59,746,537 $ (31,892,885) $27,853,652  For the Year Ended December 31, 2001 Net interest income $ 3,189,207 $ 215,838 $ 282,226 $ (53,454) $ 3,633,817 $ (1,883,675) $ 1,750,142 Non-interest income 3,131,868 19,879 183,973 78,057 3,413,777 1,049,985 4,463,762 Provision for loan losses 1,711,164 174,897 129,412 (61,326) 1,954,147 (833,690) 1,120,457 Non-interest expenses 3,350,595 117,853 422,420 167,159 4,058,027 - 4,058,027 Income tax provision (benefit) 478,540 (21,672) (35,179) (28,234) 393,455 - 393,455 Net income (loss) $ 780,776 $ (35,361) $ (50,454) $ (52,996) $ 641,965 $ - $ 641,965  Loans receivable $37,324,079 $ 3,957,729 $ 3,970,244 $ 11,911 $ 45,263,963 $(24,342,949) $20,921,014 For the Year Ended December 31, 2000 Net interest income $ 2,431,111 $ 88,933 $ 186,639  $ 4,176 $ 2,710,859 $ (1,057,977) $ 1,652,882  Non-interest income 2,277,806 6,609 113,726 13,355 2,411,496 653,614 3,065,110 Provision for loan losses 1,107,246 64,774 101,046 (55,842) 1,217,224 (404,363) 812,861 Non-interest expenses 2,525,612 64,626 344,577 212,842 3,147,657 - 3,147,657 Income tax provision (benefit) 408,903 (12,866) (57,998) (50,199) 287,840 - 287,840 Net income (loss) $ 667,156 $ (20,992) $ (87,260) $ (89,270) $ 469,634 $ - $ 469,634 Loans receivable $25,449,167 $ 1,173,782 $ 2,970,751 $ (69,674) $ 29,524,026 $(14,411,314) $15,112,712 