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In addition to growing our existing core business, we are developing strategies to leverage our highly recognizable brands,
direct marketing capabilities, operational and underwriting capabilities, and low cost of capital to enter into new lines of business
that are logical extensions to our core business, thus allowing us to become a diversified consumer financial services provider.
We intend to continue to focus on building our information, data and analytics capabilities, which we believe will strengthen our
core business and provide a foundation for expanding into additional products and services. We will pursue this expansion through
internal growth, strategic partnerships and acquisitions. As part of this strategy, on March 6, 2015, we entered into a stock purchase
agreement to acquire WestStar, a residential mortgage company specializing in conforming mortgage lending.While we anticipate
that the WestStar Acquisition will close in the third quarter of 2015, the transaction is subject to customary closing conditions and
regulatory approvals, and we cannot assure you when, or if, it will be completed. The WestStar Acquisition represents our entry
into the mortgage business.
We are subject to federal, state and, in some cases, local regulation in the jurisdictions in which we operate. These
regulations govern and/or affect many aspects of our business as set forth more fully under “Part 1, Item 1. Business” in this
Annual Report on Form 10-K.
