(2) Managed receivables and adjusted net income are non-GAAP financial measures. See "Non-GAAP Financial Measures" for important additional information. Management Commentary Jeff Howard, President and Chief Executive Officer, stated, "In 2021 Atlanticus achieved another year of exceptional growth in customers served, managed assets, revenue and profitability, reflecting the appeal of our value-added financial solutions for millions of everyday Americans and the strength of our underlying data, analytics, and technology platform. We have aggregated insightful, robust data over the course of our 25-year history, enabling Atlanticus to successfully navigate the pandemic and deliver outstanding results for our bank, retail and healthcare partners and their customers. Our core competencies and enhanced asset quality position Atlanticus for continued growth in the coming year.