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



	Three Months Ended September 30, 2014
	Lending		Other			Corporate			Total
Revenue	$	37,644	$	3,662		$	—		$	41,306
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	1,990		120			—			2,110
Selling and marketing expense	24,707		2,461			—			27,168
General and administrative expense	1,129		900			4,561			6,590
Product development	1,419		239			—			1,658
Depreciation	432		329			79			840
Amortization of intangibles	—		41			—			41
Restructuring and severance	—		(3		)	10			7
Litigation settlements and contingencies	—		—			2,338			2,338
Total costs and expenses	29,677		4,087			6,988			40,752
Operating income (loss)	7,967		(425		)	(6,988		)	554
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		41			—			41
Depreciation	432		329			79			840
Restructuring and severance	—		(3		)	10			7
Loss on disposal of assets	—		185			—			185
Non-cash compensation	580		221			985			1,786
Acquisition expense	—		40			—			40
Litigation settlements and contingencies	—		—			2,338			2,338
Adjusted EBITDA	$	8,979	$	388		$	(3,576	)	$	5,791

Operating income									$	554
Interest expense									(1		)
Income before income taxes									$	553



	Three Months Ended September 30, 2013 ^(a)
	Lending		Other			Corporate			Total
Revenue	$	34,716	$	2,627		$	—		$	37,343
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	1,545		168			20			1,733
Selling and marketing expense	23,089		1,743			—			24,832
General and administrative expense	711		604			4,295			5,610
Product development	990		227			—			1,217
Depreciation	357		426			108			891
Amortization of intangibles	—		33			—			33
Restructuring and severance	1		(77		)	6			(70		)
Litigation settlements and contingencies	—		—			2,875			2,875
Total costs and expenses	26,693		3,124			7,304			37,121
Operating income (loss)	8,023		(497		)	(7,304		)	222
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		33			—			33
Depreciation	357		426			108			891
Restructuring and severance	1		(77		)	6			(70		)
Loss on disposal of assets	—		—			1			1
Non-cash compensation	411		220			781			1,412
Litigation settlements and contingencies	—		—			2,875			2,875
Adjusted EBITDA	$	8,792	$	105		$	(3,533	)	$	5,364

Operating loss									$	222
Interest expense									(4		)
Loss before income taxes									$	218


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



	Nine Months Ended September 30, 2014
	Lending		Other			Corporate			Total
Revenue	$	113,621	$	9,865		$	—		$	123,486
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	5,308		362			—			5,670
Selling and marketing expense	77,278		6,303			—			83,581
General and administrative expense	3,622		2,297			12,282			18,201
Product development	4,516		900			—			5,416
Depreciation	1,195		1,063			283			2,541
Amortization of intangibles	—		96			—			96
Restructuring and severance	162		12			58			232
Litigation settlements and contingencies	—		—			10,430			10,430
Total costs and expenses	92,081		11,033			23,053			126,167
Operating income (loss)	21,540		(1,168		)	(23,053		)	(2,681		)
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		96			—			96
Depreciation	1,195		1,063			283			2,541
Restructuring and severance	162		12			58			232
Loss on disposal of assets	—		220			17			237
Non-cash compensation	1,707		655			2,461			4,823
Acquisition expense	—		114			—			114
Litigation settlements and contingencies	—		—			10,430			10,430
Adjusted EBITDA	$	24,604	$	992		$	(9,804	)	$	15,792

Operating loss									(2,681		)
Interest expense									(1		)
Loss before income taxes									$	(2,682	)



	Nine Months Ended September 30, 2013 ^(a)
	Lending		Other			Corporate			Total
Revenue	$	94,170	$	8,037		$	622		$	102,829
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	4,095		505			439			5,039
Selling and marketing expense	62,371		6,097			5			68,473
General and administrative expense	2,563		1,534			13,720			17,817
Product development	3,166		748			—			3,914
Depreciation	1,076		1,269			303			2,648
Amortization of intangibles	—		119			—			119
Restructuring and severance	24		48			4			76
Litigation settlements and contingencies	—		—			6,812			6,812
Total costs and expenses	73,295		10,320			21,283			104,898
Operating income (loss)	20,875		(2,283		)	(20,661		)	(2,069		)
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		119			—			119
Depreciation	1,076		1,269			303			2,648
Restructuring and severance	24		48			4			76
Loss on disposal of assets	—		—			25			25
Non-cash compensation	1,307		457			2,514			4,278
Discretionary cash bonus	—		—			920			920
Litigation settlements and contingencies	—		—			6,812			6,812
Adjusted EBITDA	$	23,282	$	(390	)	$	(10,083	)	$	12,809

Operating loss									(2,069		)
Interest expense									(18		)
Loss before income taxes									$	(2,087	)


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