Exhibits

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If a plan has liabilities other than for benefits, those nonbenefit obligations may be considered as reductions of plan assets.Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 132R -Paragraph 5 -Subparagraph b Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 132R -Paragraph 5 -Subparagraph d(iv)(b)(i) Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 87 -Paragraph 49 falsefalse1Consists of investments in private equity and real estate funds measured at reported net asset value.2Consists of investments in private equity, real estate and hedge funds measured at reported net asset value.3For cardmember receivables in International Card Services and Global Commercial Services, delinquency data is tracked based on days past billing status rather than days past due. 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