Item 8.01 Other Events

The Company is revising full year consolidated 2012 guidance upwards due primarily to revised projected results in the small business finance and electronic payment processing segments. The Company now expects diluted EPS of between $0.14 and $0.15 per share, from its previously forecasted range of $0.12 to $0.15 per share, and pretax income of between $9.0 million and $9.5 million, from its previous guidance range of $7.5 million to $10.0 million. These are early estimates prior to the Company's final release of earnings on February 27, 2013. The Company thought it would be prudent to revise its consolidated guidance and its estimates for the small business finance segment which over-performed for the year, and in the electronic payment processing segment which underperformed significantly, prior to earnings release on February 27th.

The small business finance segment is expected to exceed the midpoint of previous 2012 guidance by approximately $1.35 million to $1.65 million due to increased originations in 2012, continued pricing improvements on sales of guaranteed portions of our SBA 7(a) loans, diminished credit exposures and a decline in expectations of future losses. Our electronic payment processing segment is revising its pretax income guidance downward by $1.45 million to $1.60 million. This downward revision was due to the Company recording a $1.5 million provision for increased charge back losses all related to one particular independent sales agent across multiple merchant accounts.

At the present time, the Company is reaffirming its previously announced 2013 guidance and may revise it with its earnings release on February 27, 2013.

The information contained in this report shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section, and shall not be incorporated by reference into any registration statement pursuant to the Securities Act of 1933, as amended.

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