The following is a detail of other non-interest income from continuing operations for the years ended December 31:


	2020		2019		2018
	(In millions)
Bank-owned life insurance	95		78		65
Investment services fee income	$	84	$	79	$	71
Commercial credit fee income	77		73		71
Valuation gain on equity investment(1)	50		—		—
Market value adjustments on employee benefit assets - defined benefit	—		5		(6)
Market value adjustments on employee benefit assets- other	12		11		(5)
Other miscellaneous income	151		130		100
	$	469	$	376	$	296

(1)In the third quarter of 2020, the equity investee executed an initial public offering. The Company was subject to a conventional post-issuance 180 day lock-up period, which prevented the sale of its position until January 2021. The Company sold its position in January 2021 and recognized an immaterial gain.

The following is a detail of other non-interest expense from continuing operations for the years ended December 31:


	2020		2019		2018
	(In millions)
Outside services	$	170	$	189	$	187
Marketing	94		97		92
Professional, legal and regulatory expenses	89		95		119
Credit/checkcard expenses	50		68		57
FDIC insurance assessments	48		48		85
Branch consolidation, property and equipment charges	31		25		11
Visa class B shares expense	24		14		10
Loss on early extinguishment of debt	22		16		—
Provision (credit) for unfunded credit losses(1)	—		(6)		(2)
Other miscellaneous expenses	354		381		404
	$	882	$	927	$	963

(1)Upon adoption of CECL on January 1, 2020, the provision for credit losses presented within net interest income after provision for credit losses is the sum of the provision for loan losses and the provision for unfunded credit commitments. Prior to the adoption of CECL, the provision for unfunded commitments was included in other non-interest expense.