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Gains and losses related to transactions in a currency other than the functional currency, including operations outside the </font><font style="font-family:Times New Roman;font-size:10pt;">U</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;">S</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> where the functional currency is the U.S. dollar, are reported net in the Company's Consolidated Statements of Income, in other non-interest revenue, interest inc</font><font style="font-family:Times New Roman;font-size:10pt;">ome, interest expense, or other</font><font style="font-family:Times New Roman;font-size:10pt;"> expense</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;">, depending on the nature of the activity. 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:210px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Derivatives</font><sup>(a)</sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 701</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 701</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 942</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 942</font></td></tr><tr style="height: 13px"><td colspan="2" style="width: 210px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:210px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total assets</font><sup>&#160;&#160;</sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 5,717</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 444</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 5,273</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">6,556</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">634</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">5,922</font></td></tr><tr style="height: 13px"><td colspan="2" style="width: 210px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td></tr><tr style="height: 13px"><td colspan="2" style="width: 210px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:210px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Derivatives</font><sup>(a)</sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 213</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 213</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">329</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">329</font></td></tr><tr style="height: 13px"><td colspan="2" style="width: 210px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:210px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total liabilities</font><sup>&#160;&#160;</sup></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:20px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 213</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:20px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:20px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 213</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:20px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">329</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:20px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">For the financial assets and liabilities measured at fair value on a recurring basis (categorized in the valuation hierarchy table </font><font style="font-family:Times New Roman;font-size:10pt;">above</font><font style="font-family:Times New Roman;font-size:10pt;">) the Company applies the</font><font style="font-family:Times New Roman;font-size:10pt;"> following valuation techniques</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top:9.75pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Investment Securitie</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:12pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">When available, quoted prices </font><font style="font-family:Times New Roman;font-size:10pt;">of identical investment securities </font><font style="font-family:Times New Roman;font-size:10pt;">in active markets are used to </font><font style="font-family:Times New Roman;font-size:10pt;">estimate</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">fair value. Such investment securities are classified within Level 1 of the fair value hierarchy.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">When quoted prices </font><font style="font-family:Times New Roman;font-size:10pt;">of identical investment securities </font><font style="font-family:Times New Roman;font-size:10pt;">in active market</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> are not available, the fair values for the Company's investment securities are obtained primarily from pricing services engaged by the Company, and the Company receives one price for each security. The fair values provided by the pricing services are estimated using pricing models, where the inputs to those models are based on observable market inputs</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">or recent trades of similar securities. Such investment securities are classified within Level 2 of the fair value hierarchy.</font><font style="font-family:Times New Roman;font-size:10pt;"> The inputs to the valuation techniques applied by the pricing services vary depending on the type of security being priced but are typically benchmark yields, benchmark security prices, credit spreads, prepayment speeds, reported trades and broker-dealer quotes, all with reasonable levels of transparency. The pricing services did not </font><font style="font-family:Times New Roman;font-size:10pt;">apply any adjustments to </font><font style="font-family:Times New Roman;font-size:10pt;">the pricing models used. In addition, the Company did not </font><font style="font-family:Times New Roman;font-size:10pt;">apply any adjustments to</font><font style="font-family:Times New Roman;font-size:10pt;"> prices received from the pricing services. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The Company reaffirms its understanding of the valuation techniques used by its pricing services at least annually. 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style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 47</font></td><td style="width: 16px; text-align:right;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 11px"><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="3" style="width: 300px; text-align:left;border-color:#000000;min-width:300px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">Financial assets carried at other than fair value</font><sup></sup></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; text-align:right;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 14px; 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#000000;TEXT-ALIGN: right;"> 62</font></td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$ </font></td><td style="width: 60px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:2pt'></p><ul><li style="margin-left:49.5px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:7.5pt;">Reflects time deposits.</font></li><li style="margin-left:49.5px;list-style:lower-alpha;"><font 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style="font-family:Times New Roman;font-size:7.5pt;">Presented as a component of customer deposits on the Consolidated Balance Sheets.</font></li></ul><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:2pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The fair values of these financial instruments are estimates based upon </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">market conditions and perceived risks as of </font><font style="font-family:Times New Roman;font-size:10pt;">December 31,</font><font style="font-family:Times New Roman;font-size:7.5pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and</font><font 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 942</font></td></tr><tr style="height: 13px"><td colspan="2" style="width: 210px; 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The Company's </font><font style="font-family:Times New Roman;font-size:10pt;">policy</font><font style="font-family:Times New Roman;font-size:10pt;"> generally</font><font style="font-family:Times New Roman;font-size:10pt;"> is to cease accruing interest on a </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> loan at the time the account is written off</font><font style="font-family:Times New Roman;font-size:10pt;">, and</font><font style="font-family:Times New Roman;font-size:10pt;"> establish reserves for interest that the Company </font><font style="font-family:Times New Roman;font-size:10pt;">believes will not be collected.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">I</font><font style="font-family:Times New Roman;font-size:10pt;">mpaired</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Loans and R</font><font style="font-family:Times New Roman;font-size:10pt;">eceivables</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Impaired loans and receivables are defined by GAAP as individual larger balance or homogeneous pools of smaller balance loans and receivables for which it is probab</font><font style="font-family:Times New Roman;font-size:10pt;">le that the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> will be unable to collect all amounts due according to the original contractual t</font><font style="font-family:Times New Roman;font-size:10pt;">erms of the Card Member </font><font style="font-family:Times New Roman;font-size:10pt;">agreement. 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The Company determines the original effective interest rate as the interest rate in effect prior to the imposition of any penalty </font><font style="font-family:Times New Roman;font-size:10pt;">interest </font><font style="font-family:Times New Roman;font-size:10pt;">rate</font><font style="font-family:Times New Roman;font-size:10pt;">. 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style="font-family:Times New Roman;font-size:8pt;"> as of</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">December 31, </font><font style="font-family:Times New Roman;font-size:8pt;">2013</font><font style="font-family:Times New Roman;font-size:8pt;"> and </font><font style="font-family:Times New Roman;font-size:8pt;">2012</font><font style="font-family:Times New Roman;font-size:8pt;">, respectively</font><font style="font-family:Times New Roman;font-size:8pt;">.</font></li><li style="margin-left:20.25px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:8pt;">Includes </font><font style="font-family:Times New Roman;font-size:8pt;">$</font><font style="font-family:Times New Roman;font-size:8pt;">476</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">m</font><font style="font-family:Times New Roman;font-size:8pt;">illion </font><font style="font-family:Times New Roman;font-size:8pt;">of gross </font><font style="font-family:Times New Roman;font-size:8pt;">Card Member</font><font style="font-family:Times New Roman;font-size:8pt;"> receivables</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">available</font><font style="font-family:Times New Roman;font-size:8pt;"> to</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">settle obligations </font><font style="font-family:Times New Roman;font-size:8pt;">of a consolidated VIE as of</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">December 31, </font><font style="font-family:Times New Roman;font-size:8pt;">2012</font><font style="font-family:Times New Roman;font-size:8pt;">.</font><font 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airlines, of which Delta Air Lines (Delta) comprises </font><font style="font-family:Times New Roman;font-size:8pt;">$</font><font style="font-family:Times New Roman;font-size:8pt;">628</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">m</font><font style="font-family:Times New Roman;font-size:8pt;">illion</font><font style="font-family:Times New Roman;font-size:8pt;"> and $</font><font style="font-family:Times New Roman;font-size:8pt;">676</font><font style="font-family:Times New Roman;font-size:8pt;"> m</font><font style="font-family:Times New Roman;font-size:8pt;">illion as of December 31, </font><font style="font-family:Times New Roman;font-size:8pt;">2013</font><font style="font-family:Times New Roman;font-size:8pt;"> and </font><font style="font-family:Times New Roman;font-size:8pt;">2012</font><font style="font-family:Times New Roman;font-size:8pt;">, respectively</font><font style="font-family:Times 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Roman;font-size:8pt;">2012</font><font style="font-family:Times New Roman;font-size:8pt;">, respectively</font><font style="font-family:Times New Roman;font-size:8pt;">.</font></li><li style="margin-left:20.25px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:8pt;">Other receivables primarily represent amounts</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">related to </font><font style="font-family:Times New Roman;font-size:8pt;">(</font><font style="font-family:Times New Roman;font-size:8pt;">i</font><font style="font-family:Times New Roman;font-size:8pt;">) </font><font style="font-family:Times New Roman;font-size:8pt;">purchased joint venture receivables,</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">(ii)</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font 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Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">are recorded at the time a </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> enters into a point-of-sale transaction w</font><font style="font-family:Times New Roman;font-size:10pt;">ith a merchant, as well as amounts due from </font><font style="font-family:Times New Roman;font-size:10pt;">charge </font><font style="font-family:Times New Roman;font-size:10pt;">Card Members who</font><font style="font-family:Times New Roman;font-size:10pt;"> elect to revolve a portion of the outstanding balance by </font><font style="font-family:Times New Roman;font-size:10pt;">enter</font><font style="font-family:Times New Roman;font-size:10pt;">ing </font><font style="font-family:Times New Roman;font-size:10pt;">into a </font><font style="font-family:Times 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The amounts that </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;">s choose to revolve are subject to </font><font style="font-family:Times New Roman;font-size:10pt;">f</font><font style="font-family:Times New Roman;font-size:10pt;">inance </font><font style="font-family:Times New Roman;font-size:10pt;">c</font><font style="font-family:Times New Roman;font-size:10pt;">harges.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> loans are presented on the Consolidated Balance Sheets net of reserves for losses </font><font style="font-family:Times New Roman;font-size:10pt;">(refer to </font><font style="font-family:Times New Roman;font-size:10pt;">N</font><font style="font-family:Times New Roman;font-size:10pt;">ote 5)</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and include </font><font style="font-family:Times New Roman;font-size:10pt;">principal, </font><font style="font-family:Times New Roman;font-size:10pt;">accrued interest and fees</font><font style="font-family:Times New Roman;font-size:10pt;"> receivable</font><font style="font-family:Times New Roman;font-size:10pt;">. 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border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 23px; 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text-align:left;border-color:#000000;min-width:19px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">%</font><sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1.9</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">%</font><sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">2.4</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">%</font><sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1.5</font></td><td style="width: 23px; text-align:left;border-color:#000000;min-width:23px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">%</font></td></tr><tr style="height: 15px"><td style="width: 264px; text-align:left;border-color:#000000;min-width:264px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Card Member Receivables:</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 23px; text-align:left;border-color:#000000;min-width:23px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 264px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:264px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">U.S. Card Services </font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 57px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1.7</font></td><td style="width: 19px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 23px; text-align:left;border-color:#000000;min-width:23px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 264px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:264px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 57px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td colspan="3" style="width: 133px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:133px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td colspan="3" style="width: 131px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:131px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td><td style="width: 23px; 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In either case, the Company establishes a reserve for </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> interest charges </font><font style="font-family:Times New Roman;font-size:10pt;">and fees </font><font style="font-family:Times New Roman;font-size:10pt;">considered to</font><font style="font-family:Times New Roman;font-size:10pt;"> be </font><font style="font-family:Times New Roman;font-size:10pt;">un</font><font style="font-family:Times New Roman;font-size:10pt;">collect</font><font style="font-family:Times New Roman;font-size:10pt;">ible</font><font style="font-family:Times New Roman;font-size:10pt;">. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Reserves for </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> loans and receivables modified as </font><font style="font-family:Times New Roman;font-size:10pt;">TDR</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> are determined </font><font style="font-family:Times New Roman;font-size:10pt;">as </font><font style="font-family:Times New Roman;font-size:10pt;">the difference between </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">cash flows expected to be received from the </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">(</font><font style="font-family:Times New Roman;font-size:10pt;">taking into consideration the prob</font><font style="font-family:Times New Roman;font-size:10pt;">ability of subsequent defaults</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">discounted at the original effective interest rates</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and the carrying value of the </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">loan or receivable </font><font style="font-family:Times New Roman;font-size:10pt;">balance</font><font style="font-family:Times New Roman;font-size:10pt;">. 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border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 38</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 81</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 48px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;"> &#8213;</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 143px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:143px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;">Total</font><sup></sup></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 224</font></td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 43px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 248</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 428</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 900</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 842</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 122</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 1,091</font></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 48px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 62</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 143px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:143px;">&#160;<sup></sup></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 43px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:43px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 48px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:48px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 24px"><td style="width: 143px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:143px;">&#160;<sup></sup></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td colspan="16" style="width: 429px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:429px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: center;">As of December 31, 2012</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td colspan="4" style="width: 123px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:123px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: center;">For the Year Ended December 31, 2012</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 143px; text-align:left;border-color:#000000;min-width:143px;">&#160;<sup></sup></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;">Loans over</font></td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 43px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:43px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td colspan="5" style="width: 135px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:135px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 48px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:48px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 143px; text-align:left;border-color:#000000;min-width:143px;">&#160;<sup></sup></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; 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text-align:left;border-color:#000000;min-width:143px;">&#160;<sup></sup></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;">Past Due</font></td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;">Non-</font></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 43px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:43px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 48px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:48px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 24px"><td style="width: 143px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:143px;">&#160;<sup></sup></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td colspan="16" style="width: 429px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:429px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: center;">As of December 31, 2011</font></td><td style="width: 10px; 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The Company establishes reserves for interest that the Company believes will not be collected.</font><font style="font-family:Times New Roman;font-size:7.5pt;"> Excludes loans modified as a TDR.</font></li><li style="margin-left:36px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:7.5pt;">Non-</font><font style="font-family:Times New Roman;font-size:7.5pt;">accrual loans not in modification </font><font style="font-family:Times New Roman;font-size:7.5pt;">programs primarily include certain Card Member loans placed with outside collection agencies for which the Company has ceased accruing interest. </font></li><li style="margin-left:36px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:7.5pt;">T</font><font style="font-family:Times New Roman;font-size:7.5pt;">otal loans and receivable</font><font style="font-family:Times New Roman;font-size:7.5pt;">s modified as a TDR include</font><font style="font-family:Times New 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Roman;font-size:7.5pt;">respectively. </font></li><li style="margin-left:36px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:7.5pt;">Unpaid principal balance consists of </font><font style="font-family:Times New Roman;font-size:7.5pt;">Card Member</font><font style="font-family:Times New Roman;font-size:7.5pt;"> charges billed and excludes other amounts charged directly by the Company such as int</font><font style="font-family:Times New Roman;font-size:7.5pt;">erest and fees.</font></li><li style="margin-left:36px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:7.5pt;">R</font><font style="font-family:Times New Roman;font-size:7.5pt;">epresents the reserve</font><font style="font-family:Times New Roman;font-size:7.5pt;"> for losses for </font><font style="font-family:Times New Roman;font-size:7.5pt;">TDRs, which are evaluated </font><font style="font-family:Times New Roman;font-size:7.5pt;">individually </font><font style="font-family:Times New Roman;font-size:7.5pt;">for </font><font style="font-family:Times New Roman;font-size:7.5pt;">impairmen</font><font style="font-family:Times New Roman;font-size:7.5pt;">t.</font><font style="font-family:Times New Roman;font-size:7.5pt;"> The</font><font style="font-family:Times New Roman;font-size:7.5pt;"> Company records a reserve for losses for all impaired loans. 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text-align:left;border-color:#000000;min-width:19px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">%</font><sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1.9</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">%</font><sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">2.4</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">%</font><sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1.5</font></td><td style="width: 23px; text-align:left;border-color:#000000;min-width:23px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">%</font></td></tr><tr style="height: 15px"><td style="width: 264px; text-align:left;border-color:#000000;min-width:264px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Card Member Receivables:</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 23px; text-align:left;border-color:#000000;min-width:23px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 264px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:264px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">U.S. Card Services </font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 57px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1.7</font></td><td style="width: 19px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;<sup></sup></td><td style="width: 57px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 23px; text-align:left;border-color:#000000;min-width:23px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 264px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:264px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 57px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; 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text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Ratio as</font></td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">90 Days</font></td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Ratio as</font></td><td style="width: 17px; 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text-align:left;border-color:#000000;min-width:264px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 57px; text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:left;border-color:#000000;min-width:57px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Charge</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;<sup></sup></td><td style="width: 57px; text-align:right;border-color:#000000;min-width:57px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">as a % of</font></td><td style="width: 19px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 48px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:48px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 24px"><td style="width: 143px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:143px;">&#160;<sup></sup></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td colspan="16" style="width: 429px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:429px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: center;">As of December 31, 2012</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td colspan="4" style="width: 123px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:123px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: center;">For the Year Ended December 31, 2012</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 143px; text-align:left;border-color:#000000;min-width:143px;">&#160;<sup></sup></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;">Loans over</font></td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 43px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:43px;">&#160;</td><td style="width: 15px; 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text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; text-align:left;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; text-align:left;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; text-align:center;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; text-align:left;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; text-align:left;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 48px; text-align:left;border-color:#000000;min-width:48px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 13px"><td colspan="1" style="width: 143px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:143px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">U.S. Card Services </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;"> &#8213;</font></td><td style="width: 16px; text-align:right;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 43px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 15px; text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;"> 117</font></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;"> 117</font></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 111</font></td><td style="width: 15px; text-align:center;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;"> 91</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;"> 135</font></td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 48px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:16px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 43px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:43px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; 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text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; text-align:left;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 50px; text-align:left;border-color:#000000;min-width:50px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; text-align:right;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; text-align:center;border-color:#000000;min-width:15px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; text-align:left;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;<sup></sup></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 45px; text-align:left;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 48px; text-align:left;border-color:#000000;min-width:48px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td></tr><tr style="height: 13px"><td colspan="1" style="width: 143px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:143px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: left;">U.S. Card Services </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 15px; 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Roman;font-size:7.5pt;">s</font><font style="font-family:Times New Roman;font-size:7.5pt;"> </font><font style="font-family:Times New Roman;font-size:7.5pt;">$</font><font style="font-family:Times New Roman;font-size:7.5pt;">92</font><font style="font-family:Times New Roman;font-size:7.5pt;"> million</font><font style="font-family:Times New Roman;font-size:7.5pt;">, </font><font style="font-family:Times New Roman;font-size:7.5pt;">$</font><font style="font-family:Times New Roman;font-size:7.5pt;">320</font><font style="font-family:Times New Roman;font-size:7.5pt;"> million</font><font style="font-family:Times New Roman;font-size:7.5pt;"> and </font><font style="font-family:Times New Roman;font-size:7.5pt;">$</font><font style="font-family:Times New Roman;font-size:7.5pt;">410</font><font style="font-family:Times New Roman;font-size:7.5pt;"> </font><font style="font-family:Times New Roman;font-size:7.5pt;">mil</font><font style="font-family:Times New Roman;font-size:7.5pt;">lion that 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Roman;font-size:7.5pt;"> </font><font style="font-family:Times New Roman;font-size:7.5pt;">accruing </font><font style="font-family:Times New Roman;font-size:7.5pt;">interest </font><font style="font-family:Times New Roman;font-size:7.5pt;">as of </font><font style="font-family:Times New Roman;font-size:7.5pt;">December 31, </font><font style="font-family:Times New Roman;font-size:7.5pt;">2013</font><font style="font-family:Times New Roman;font-size:7.5pt;">,</font><font style="font-family:Times New Roman;font-size:7.5pt;"> </font><font style="font-family:Times New Roman;font-size:7.5pt;">2012</font><font style="font-family:Times New Roman;font-size:7.5pt;"> </font><font style="font-family:Times New Roman;font-size:7.5pt;">and </font><font style="font-family:Times New Roman;font-size:7.5pt;">2011</font><font style="font-family:Times New Roman;font-size:7.5pt;">,</font><font style="font-family:Times New Roman;font-size:7.5pt;"> </font><font style="font-family:Times New Roman;font-size:7.5pt;">respectively. </font></li><li style="margin-left:36px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:7.5pt;">Unpaid principal balance consists of </font><font style="font-family:Times New Roman;font-size:7.5pt;">Card Member</font><font style="font-family:Times New Roman;font-size:7.5pt;"> charges billed and excludes other amounts charged directly by the Company such as int</font><font style="font-family:Times New Roman;font-size:7.5pt;">erest and fees.</font></li><li style="margin-left:36px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:7.5pt;">R</font><font style="font-family:Times New Roman;font-size:7.5pt;">epresents the reserve</font><font style="font-family:Times New Roman;font-size:7.5pt;"> for losses for </font><font style="font-family:Times New Roman;font-size:7.5pt;">TDRs, which are evaluated </font><font style="font-family:Times New Roman;font-size:7.5pt;">individually </font><font style="font-family:Times New Roman;font-size:7.5pt;">for </font><font style="font-family:Times New Roman;font-size:7.5pt;">impairmen</font><font style="font-family:Times New Roman;font-size:7.5pt;">t.</font><font style="font-family:Times New Roman;font-size:7.5pt;"> The</font><font style="font-family:Times New Roman;font-size:7.5pt;"> Company records a reserve for losses for all impaired loans. Refer to </font><font style="font-family:Times New Roman;font-size:7.5pt;">Card Member</font><font style="font-family:Times New Roman;font-size:7.5pt;"> Loans Evaluated </font><font style="font-family:Times New Roman;font-size:7.5pt;">Individually</font><font style="font-family:Times New Roman;font-size:7.5pt;"> and Collectively for Impairment in Note 5 for further discussion of the reserve for losses on loans over 90 days past due and accruing interest and non-accrual loans, which are evaluated collectively for impairment</font><font style="font-family:Times New Roman;font-size:7.5pt;">.</font></li></ul> 73000000 132000000 59000000 0 431000000 750000000 1313000000 1253000000 244000000 428000000 248000000 224000000 842000000 122000000 900000000 426000000 787000000 731000000 84000000 627000000 1073000000 1126000000 152000000 244000000 170000000 373000000 5000000 1000000 4000000 62000000 6000000 0 63000000 5000000 54000000 69000000 70000000 50000000 117000000 0 111000000 0 0 91000000 49000000 38000000 117000000 50000000 63000000 1431000000 62000000 1091000000 294000000 918000000 1584000000 1513000000 1741000000 131000000 535000000 78000000 1498000000 174000000 52000000 64000000 736000000 46000000 943000000 1221000000 529000000 1268000000 1329000000 47000000 98000000 16000000 67000000 80000000 81000000 8000000 75000000 6000000 26000000 2000000 16000000 67000000 0 0 145000000 0 135000000 81000000 0 118000000 0 174000000 165000000 174000000 <p style='margin-top:0pt; 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The models take into account several factors, including </font><font style="font-family:Times New Roman;font-size:10pt;">delinquency based </font><font style="font-family:Times New Roman;font-size:10pt;">loss migration rates</font><font style="font-family:Times New Roman;font-size:10pt;">, loss emergence periods</font><font style="font-family:Times New Roman;font-size:10pt;"> and average losses and recoveries over an appropriate historical period. Management considers whether to adjust the models for specific qualitative factors such as increased risk in certain portfolios, impact of risk management initiatives on portfolio performance and concentration of credit risk based on factors such as vintage, industry or geographic regions. In addition, management may increase or decrease the reserves for losses on Card Member loans for other external environmental qualitative factors, including various indicators related to employment, spend, sentiment, housing and credit, as well as the legal and regulatory environment. Generally, due to the short-term nature of Card Member receivables, the impact of additional external qualitative factors on the probable losses inherent within the Card Member receivables portfolio is not significant. As part of this evaluation process, management also considers various reserve coverage metrics, such as reserves as a percentage of past due amounts, reserves as a percentage of Card Member receivables or loans and net write-off coverage. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">loans and </font><font style="font-family:Times New Roman;font-size:10pt;">receivables balances are written off when management </font><font style="font-family:Times New Roman;font-size:10pt;">considers</font><font style="font-family:Times New Roman;font-size:10pt;"> amounts to be uncollectible</font><font style="font-family:Times New Roman;font-size:10pt;">, which </font><font style="font-family:Times New Roman;font-size:10pt;">is generally determined by the number of days past due</font><font style="font-family:Times New Roman;font-size:10pt;"> and is typically </font><font style="font-family:Times New Roman;font-size:10pt;">no later than</font><font style="font-family:Times New Roman;font-size:10pt;"> 180 days</font><font style="font-family:Times New Roman;font-size:10pt;"> past due</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> loans and r</font><font style="font-family:Times New Roman;font-size:10pt;">eceivables in bankruptcy or owed by deceased individuals are </font><font style="font-family:Times New Roman;font-size:10pt;">generally </font><font style="font-family:Times New Roman;font-size:10pt;">written off upon notification</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">r</font><font style="font-family:Times New Roman;font-size:10pt;">ecoveries are recognized </font><font style="font-family:Times New Roman;font-size:10pt;">as they are collected</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p> <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">NOTE</font><font style="font-family:Times New Roman;font-size:10pt;"> 5</font><font style="font-family:Times New Roman;font-size:11pt;"> </font><font style="font-family:Times New Roman;font-size:11pt;"><br/></font><font style="font-family:Times New Roman;font-size:13.5pt;">Reserves for L</font><font style="font-family:Times New Roman;font-size:13.5pt;">osses</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">R</font><font style="font-family:Times New Roman;font-size:10pt;">eserves for losses relating to </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> loans and receivables represent management</font><font style="font-family:Times New Roman;font-size:10pt;">'</font><font style="font-family:Times New Roman;font-size:10pt;">s best estimate of the</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">probable inherent </font><font style="font-family:Times New Roman;font-size:10pt;">losses in the Company'</font><font style="font-family:Times New Roman;font-size:10pt;">s outstanding portfolio of </font><font style="font-family:Times New Roman;font-size:10pt;">loans and </font><font style="font-family:Times New Roman;font-size:10pt;">recei</font><font style="font-family:Times New Roman;font-size:10pt;">vables</font><font style="font-family:Times New Roman;font-size:10pt;">, as of the balance sheet date</font><font style="font-family:Times New Roman;font-size:10pt;">. Management'</font><font style="font-family:Times New Roman;font-size:10pt;">s evaluation process requires certain estimates and judgments. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Reserves for losses are primarily based upon statistical </font><font style="font-family:Times New Roman;font-size:10pt;">and analytical </font><font style="font-family:Times New Roman;font-size:10pt;">models that analyze portfolio performance and reflect management's judgment regarding the quantitative components of the reserve. The models take into account several factors, including </font><font style="font-family:Times New Roman;font-size:10pt;">delinquency based </font><font style="font-family:Times New Roman;font-size:10pt;">loss migration rates</font><font style="font-family:Times New Roman;font-size:10pt;">, loss emergence periods</font><font style="font-family:Times New Roman;font-size:10pt;"> and average losses and recoveries over an appropriate historical period. Management considers whether to adjust the models for specific qualitative factors such as increased risk in certain portfolios, impact of risk management initiatives on portfolio performance and concentration of credit risk based on factors such as vintage, industry or geographic regions. In addition, management may increase or decrease the reserves for losses on Card Member loans for other external environmental qualitative factors, including various indicators related to employment, spend, sentiment, housing and credit, as well as the legal and regulatory environment. Generally, due to the short-term nature of Card Member receivables, the impact of additional external qualitative factors on the probable losses inherent within the Card Member receivables portfolio is not significant. As part of this evaluation process, management also considers various reserve coverage metrics, such as reserves as a percentage of past due amounts, reserves as a percentage of Card Member receivables or loans and net write-off coverage. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">loans and </font><font style="font-family:Times New Roman;font-size:10pt;">receivables balances are written off when management </font><font style="font-family:Times New Roman;font-size:10pt;">considers</font><font style="font-family:Times New Roman;font-size:10pt;"> amounts to be uncollectible</font><font style="font-family:Times New Roman;font-size:10pt;">, which </font><font style="font-family:Times New Roman;font-size:10pt;">is generally determined by the number of days past due</font><font style="font-family:Times New Roman;font-size:10pt;"> and is typically </font><font style="font-family:Times New Roman;font-size:10pt;">no later than</font><font style="font-family:Times New Roman;font-size:10pt;"> 180 days</font><font style="font-family:Times New Roman;font-size:10pt;"> past due</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> loans and r</font><font style="font-family:Times New Roman;font-size:10pt;">eceivables in bankruptcy or owed by deceased individuals are </font><font style="font-family:Times New Roman;font-size:10pt;">generally </font><font style="font-family:Times New Roman;font-size:10pt;">written off upon notification</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">r</font><font style="font-family:Times New Roman;font-size:10pt;">ecoveries are recognized </font><font style="font-family:Times New Roman;font-size:10pt;">as they are collected</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; 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text-align:left;border-color:#000000;min-width:216px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">U.S. Government agency obligations</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> </font><sup></sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">3</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">3</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">3</font></td><td style="width: 7px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 48px; text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 49px; text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 233px; text-align:left;border-color:#000000;min-width:233px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">U.S. Government treasury obligations</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 166</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 48px; text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 49px; text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 233px; text-align:left;border-color:#000000;min-width:233px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Mortgage-backed securities</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 35</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 48px; text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 49px; text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 233px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:233px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Other</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 30</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 17</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 48px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 49px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 233px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:233px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 5px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; 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border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 44px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">123</font></td><td style="width: 6px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 47px; 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border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td colspan="2" style="width: 51px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:51px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Gross</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:52px;">&#160;</td><td rowspan="3" style="width: 7px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:36px;">&#160;</td><td rowspan="3" style="width: 7px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 35px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:35px;">&#160;</td></tr><tr style="height: 16px"><td colspan="2" style="width: 195px; text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">90%&#8211;100%</font></td><td style="width: 7px; 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text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1,882</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 35px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:35px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(84)</font></td></tr><tr style="height: 16px"><td colspan="2" style="width: 195px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">2012:</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 35px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:35px;">&#160;</td></tr><tr style="height: 16px"><td colspan="2" style="width: 195px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">90%&#8211;100%</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">46</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">100</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">4</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">73</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(4)</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">50</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">173</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 35px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:35px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(5)</font></td></tr><tr style="height: 16px"><td colspan="2" style="width: 195px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total as of December 31, 2012</font></td><td style="width: 7px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">46</font></td><td style="width: 7px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; 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border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">4</font></td><td style="width: 7px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">73</font></td><td style="width: 7px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(4)</font></td><td style="width: 7px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">50</font></td><td style="width: 7px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">173</font></td><td style="width: 7px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 35px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:35px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(5)</font></td></tr><tr style="height: 2px"><td style="width: 8px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:8px;">&#160;</td><td style="width: 187px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:187px;">&#160;</td><td style="width: 7px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; 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text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; 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margin-bottom:10pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Investment securities include debt and equity securities classified as available for sale. 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Refer to Note 3 for a description of the Company's methodology for determining the fair value of investment securities.</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The gross unrealized losses </font><font style="font-family:Times New Roman;font-size:10pt;">are </font><font style="font-family:Times New Roman;font-size:10pt;">attributed to </font><font style="font-family:Times New Roman;font-size:10pt;">overall wider </font><font style="font-family:Times New Roman;font-size:10pt;">credit spreads for state and municipal securities, </font><font style="font-family:Times New Roman;font-size:10pt;">wider</font><font style="font-family:Times New Roman;font-size:10pt;"> credit spreads for specific issuers, </font><font style="font-family:Times New Roman;font-size:10pt;">adverse </font><font style="font-family:Times New Roman;font-size:10pt;">changes in market</font><font style="font-family:Times New Roman;font-size:10pt;"> benchmark</font><font style="font-family:Times New Roman;font-size:10pt;"> interest rates</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> or a combination thereof, </font><font style="font-family:Times New Roman;font-size:10pt;">all as </font><font style="font-family:Times New Roman;font-size:10pt;">compared to those prevailing wh</font><font style="font-family:Times New Roman;font-size:10pt;">en the </font><font style="font-family:Times New Roman;font-size:10pt;">investment </font><font style="font-family:Times New Roman;font-size:10pt;">securities were acquired</font><font style="font-family:Times New Roman;font-size:10pt;">. </font></p><p style='margin-top:0pt; 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text-align:left;border-color:#000000;min-width:216px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">U.S. Government agency obligations</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> </font><sup></sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">3</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 7px; 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text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">124</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">64</font></td><td style="width: 7px; 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text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 48px; text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 49px; text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 233px; text-align:left;border-color:#000000;min-width:233px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">U.S. Government treasury obligations</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 166</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 48px; text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 49px; text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 233px; text-align:left;border-color:#000000;min-width:233px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Mortgage-backed securities</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 35</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 48px; text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 49px; text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 233px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:233px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Other</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 30</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 17</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 47px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:47px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 48px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:48px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 49px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 233px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:233px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 5px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; 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border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 44px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">123</font></td><td style="width: 6px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 47px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">2013:</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 35px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:35px;">&#160;</td></tr><tr style="height: 16px"><td colspan="2" style="width: 195px; text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">90%&#8211;100%</font></td><td style="width: 7px; 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text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(2)</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">234</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1,689</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 35px; text-align:right;border-color:#000000;min-width:35px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(55)</font></td></tr><tr style="height: 16px"><td colspan="2" style="width: 195px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Less than 90%</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">13</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">94</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(14)</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">5</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">99</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(15)</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">18</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">193</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 35px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:35px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(29)</font></td></tr><tr style="height: 16px"><td colspan="2" style="width: 195px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total as of December 31, 2013</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">241</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; 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text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">11</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">123</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(17)</font></td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:52px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">252</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 36px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:36px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1,882</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 35px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 52px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:52px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 36px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:36px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 15px; 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:13.5pt;margin-left:0px;">A</font><font style="font-family:Times New Roman;font-size:13.5pt;">sset</font><font style="font-family:Times New Roman;font-size:13.5pt;"> S</font><font style="font-family:Times New Roman;font-size:13.5pt;">ecuritizations</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company periodically securitizes </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and loans arising from its card business through the transfer of those assets to securitization trusts. 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Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> loans are transferred to</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">American Express Credit Account Master Trust</font><font style="font-family:Times New Roman;font-size:10pt;"> (the </font><font style="font-family:Times New Roman;font-size:10pt;">Lending Trust</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">The Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Lending Trust are consolidated by American Express Travel Related Services Company, Inc. (TRS), which is a consolidated subsidiary of the Company. The trusts are considered VIEs as they have insufficient equity at risk to finance their activities, which are to issue securities that are collateralized by the underlying </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and loans.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">TRS, in its role as servicer of the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Lending Trust, has the power to direct the most significant activity of the trusts, which is the collection of the underlying </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and loans in the trusts. In addit</font><font style="font-family:Times New Roman;font-size:10pt;">ion, TRS</font><font style="font-family:Times New Roman;font-size:10pt;">, excluding its consolidated subsidiaries,</font><font style="font-family:Times New Roman;font-size:10pt;"> owns approximately </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">1.1</font><font style="font-family:Times New Roman;font-size:10pt;"> billion of subordinated securities issued by the Lending Trust as of </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> These subordinated securities have the obligation to absorb losses of the Lending Trust and </font><font style="font-family:Times New Roman;font-size:10pt;">p</font><font style="font-family:Times New Roman;font-size:10pt;">rovide the right to receive benefits from the Lending Trust, both of which are significant</font><font style="font-family:Times New Roman;font-size:10pt;"> to the VIE</font><font style="font-family:Times New Roman;font-size:10pt;">. TRS' role as servicer for the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> does not provide it with a significant obligation to absorb losses or a significant right to receive benefits. However, TRS' position as the parent company of the entities that transferred the receivables to the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> makes it the party most closely related to the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;">. Based on these considerations, TRS </font><font style="font-family:Times New Roman;font-size:10pt;">is</font><font style="font-family:Times New Roman;font-size:10pt;"> the primary beneficiary of both the Char</font><font style="font-family:Times New Roman;font-size:10pt;">ge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Lending Trust.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The debt securities issued by the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Lending Trust are non-recourse to the Company. Securitized </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and loans held by the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Lending Trust are available only for payment of the debt securities or other obligations issued or arising in th</font><font style="font-family:Times New Roman;font-size:10pt;">e securitization transactions. </font><font style="font-family:Times New Roman;font-size:10pt;">The long-term debt of each trust is payable only out of collections on their respective underlying securitized assets.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">There was approximately </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">2</font><font style="font-family:Times New Roman;font-size:10pt;"> m</font><font style="font-family:Times New Roman;font-size:10pt;">illion</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;"> m</font><font style="font-family:Times New Roman;font-size:10pt;">illion</font><font style="font-family:Times New Roman;font-size:10pt;"> of restricted cash</font><font style="font-family:Times New Roman;font-size:10pt;"> held by the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">as of </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">2012</font><font style="font-family:Times New Roman;font-size:10pt;">, resp</font><font style="font-family:Times New Roman;font-size:10pt;">ectively, and approximately </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">56</font><font style="font-family:Times New Roman;font-size:10pt;"> million and </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">73</font><font style="font-family:Times New Roman;font-size:10pt;"> m</font><font style="font-family:Times New Roman;font-size:10pt;">illion of restricted cash held by the Lending Trust as of </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">2012,</font><font style="font-family:Times New Roman;font-size:10pt;"> respectively,</font><font style="font-family:Times New Roman;font-size:10pt;"> included in other assets on the Company's Consolidat</font><font style="font-family:Times New Roman;font-size:10pt;">ed Balance Sheets. </font><font style="font-family:Times New Roman;font-size:10pt;">These amounts relate to collections of </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and loans to be used by the</font><font style="font-family:Times New Roman;font-size:10pt;"> trusts to fund future expenses</font><font style="font-family:Times New Roman;font-size:10pt;"> and obligations, including interest pa</font><font style="font-family:Times New Roman;font-size:10pt;">yable </font><font style="font-family:Times New Roman;font-size:10pt;">on investor certificates, credit losses and upcoming debt maturities</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Under the respective terms of the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Lending Trust agreements, the occurrence of certain </font><font style="font-family:Times New Roman;font-size:10pt;">triggering </font><font style="font-family:Times New Roman;font-size:10pt;">events </font><font style="font-family:Times New Roman;font-size:10pt;">associated with the performance of the assets of each trust </font><font style="font-family:Times New Roman;font-size:10pt;">could result in </font><font style="font-family:Times New Roman;font-size:10pt;">payment of trust expenses, </font><font style="font-family:Times New Roman;font-size:10pt;">establishment of reserve funds, or in a worst-case scenario, early amortization of i</font><font style="font-family:Times New Roman;font-size:10pt;">nvestor certificates.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">During the year ended</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">no </font><font style="font-family:Times New Roman;font-size:10pt;">such </font><font style="font-family:Times New Roman;font-size:10pt;">triggering events occurred</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p> <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company periodically securitizes </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and loans arising from its card business through the transfer of those assets to securitization trusts. The trusts then issue securities to third-party investors, collateraliz</font><font style="font-family:Times New Roman;font-size:10pt;">ed by the transferred assets. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> rec</font><font style="font-family:Times New Roman;font-size:10pt;">eivables are transferred to</font><font style="font-family:Times New Roman;font-size:10pt;"> the American Express Issuance Trust</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">II (the</font><font style="font-family:Times New Roman;font-size:10pt;"> Charge Trust</font><font style="font-family:Times New Roman;font-size:10pt;"> II</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:7.5pt;">During</font><font style="font-family:Times New Roman;font-size:7.5pt;"> 2013, the Company transferred Card Member receivables from the&#160;American Express Issuance Trust (the Charge Trust) to the Charge Trust II, collectively referred to as the Charge Trusts</font><font style="font-family:Times New Roman;font-size:7.5pt;">, and as such, </font><font style="font-family:Times New Roman;font-size:7.5pt;">the </font><font style="font-family:Times New Roman;font-size:7.5pt;">Charge Trust was dissolved, and the Company </font><font style="font-family:Times New Roman;font-size:7.5pt;">intends to </font><font style="font-family:Times New Roman;font-size:7.5pt;">utilize the Charge Trust II for securitization of&#160;Card Member receivables.</font><font style="font-family:Times New Roman;font-size:10pt;">. Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> loans are transferred to</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">American Express Credit Account Master Trust</font><font style="font-family:Times New Roman;font-size:10pt;"> (the </font><font style="font-family:Times New Roman;font-size:10pt;">Lending Trust</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">The Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Lending Trust are consolidated by American Express Travel Related Services Company, Inc. (TRS), which is a consolidated subsidiary of the Company. The trusts are considered VIEs as they have insufficient equity at risk to finance their activities, which are to issue securities that are collateralized by the underlying </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and loans.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">TRS, in its role as servicer of the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Lending Trust, has the power to direct the most significant activity of the trusts, which is the collection of the underlying </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and loans in the trusts. In addit</font><font style="font-family:Times New Roman;font-size:10pt;">ion, TRS</font><font style="font-family:Times New Roman;font-size:10pt;">, excluding its consolidated subsidiaries,</font><font style="font-family:Times New Roman;font-size:10pt;"> owns approximately </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">1.1</font><font style="font-family:Times New Roman;font-size:10pt;"> billion of subordinated securities issued by the Lending Trust as of </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> These subordinated securities have the obligation to absorb losses of the Lending Trust and </font><font style="font-family:Times New Roman;font-size:10pt;">p</font><font style="font-family:Times New Roman;font-size:10pt;">rovide the right to receive benefits from the Lending Trust, both of which are significant</font><font style="font-family:Times New Roman;font-size:10pt;"> to the VIE</font><font style="font-family:Times New Roman;font-size:10pt;">. TRS' role as servicer for the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> does not provide it with a significant obligation to absorb losses or a significant right to receive benefits. However, TRS' position as the parent company of the entities that transferred the receivables to the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;"> makes it the party most closely related to the Charge </font><font style="font-family:Times New Roman;font-size:10pt;">Trust II</font><font style="font-family:Times New Roman;font-size:10pt;">. 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border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 3,172</font></td></tr><tr style="height: 13px"><td style="width: 312px; text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Acquisitions</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1</font></td></tr><tr style="height: 13px"><td style="width: 312px; text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Dispositions</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (2)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Other, including foreign currency translation</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 9</font></td><td style="width: 11px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 11</font></td></tr><tr style="height: 13px"><td style="width: 312px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Balance as of December&#160;31, 2012</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 175</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1,031</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1,544</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 44px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 160</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 271</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 3,181</font></td></tr><tr style="height: 13px"><td style="width: 312px; text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Acquisitions</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td style="width: 312px; text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Dispositions</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td style="width: 312px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Other, including foreign currency translation</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 21</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (2)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 17</font></td></tr><tr style="height: 13px"><td style="width: 312px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Balance as of December&#160;31, 2013</font><sup></sup></td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">174</font></td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">O</font><font style="font-family:Times New Roman;font-size:10pt;">ther </font><font style="font-family:Times New Roman;font-size:10pt;">I</font><font style="font-family:Times New Roman;font-size:10pt;">ntangible </font><font style="font-family:Times New Roman;font-size:10pt;">A</font><font style="font-family:Times New Roman;font-size:10pt;">ssets </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Intangible assets</font><font style="font-family:Times New Roman;font-size:10pt;">, primarily customer relationships,</font><font style="font-family:Times New Roman;font-size:10pt;"> are amortized over their estimated useful lives of </font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;"> to </font><font style="font-family:Times New Roman;font-size:10pt;">22</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">years</font><font style="font-family:Times New Roman;font-size:10pt;"> on </font><font style="font-family:Times New Roman;font-size:10pt;">a </font><font style="font-family:Times New Roman;font-size:10pt;">straight-</font><font style="font-family:Times New Roman;font-size:10pt;">line basis</font><font style="font-family:Times New Roman;font-size:10pt;">. The Company reviews intangible assets for impairment quarterly and whenever events and circumstances indicate their carrying amounts may not be recoverable. 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td colspan="7" style="width: 248px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:248px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td colspan="7" style="width: 248px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:248px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td></tr><tr style="height: 43px"><td style="width: 180px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:180px;"><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">(Millions)</font><sup></sup></td><td style="width: 11px; text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Gross Carrying Amount</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Accumulated Amortization</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Net Carrying Amount</font></td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Gross Carrying Amount</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Accumulated Amortization</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Net Carrying Amount</font></td></tr><tr style="height: 13px"><td style="width: 180px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:180px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Customer relationships</font><sup>(a)</sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">180</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 428</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; 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border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 160</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 271</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; 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text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1</font></td></tr><tr style="height: 13px"><td style="width: 312px; text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Dispositions</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (2)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 11</font></td></tr><tr style="height: 13px"><td style="width: 312px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Balance as of December&#160;31, 2012</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 175</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1,031</font></td><td style="width: 11px; 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text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Acquisitions</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td style="width: 312px; text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Dispositions</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 44px; text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td></tr><tr style="height: 13px"><td style="width: 312px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:312px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Other, including foreign currency translation</font><sup></sup></td><td style="width: 11px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (1)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 44px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:44px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 40px; 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border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td colspan="7" style="width: 248px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:248px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td></tr><tr style="height: 43px"><td style="width: 180px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:180px;"><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">(Millions)</font><sup></sup></td><td style="width: 11px; text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Gross Carrying Amount</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Accumulated Amortization</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Net Carrying Amount</font></td><td style="width: 11px; text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Gross Carrying Amount</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Accumulated Amortization</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">Net Carrying Amount</font></td></tr><tr style="height: 13px"><td style="width: 180px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:180px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Customer relationships</font><sup>(a)</sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1,297</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The scheduled maturities of</font><font style="font-family:Times New Roman;font-size:10pt;"> certificates of deposit as of </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> we</font><font style="font-family:Times New Roman;font-size:10pt;">re as follows:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 13px"><td style="width: 96px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:96px;"><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">(Millions)</font></td><td style="width: 20px; 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text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1,658</font></td></tr><tr style="height: 13px"><td style="width: 96px; text-align:left;border-color:#000000;min-width:96px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">2017</font></td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">571</font></td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 43px; text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">571</font></td></tr><tr style="height: 13px"><td style="width: 96px; text-align:left;border-color:#000000;min-width:96px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">2018</font></td><td style="width: 20px; text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 20px; 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text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 43px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:43px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">191</font></td></tr><tr style="height: 13px"><td style="width: 96px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:96px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total</font></td><td style="width: 20px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:20px;">&#160;</td><td style="width: 20px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:20px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 43px; 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margin-bottom:2pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Calibri;font-size:8pt;margin-left:0px;"></font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Long-</font><font style="font-family:Times New Roman;font-size:10pt;">t</font><font style="font-family:Times New Roman;font-size:10pt;">erm D</font><font style="font-family:Times New Roman;font-size:10pt;">ebt </font></p><p style='margin-top:0pt; margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company's long-term debt outstanding, defined as debt with original maturities of one year or greater, as of December&#160;31 was as follows:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 12px"><td colspan="2" style="width: 198px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:198px;">&#160;<sup></sup></td><td style="width: 18px; 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text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; 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text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 428</font></td></tr><tr style="height: 12px"><td style="width: 272px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:272px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;">Total Long-Term Debt</font></td><td style="width: 11px; 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">As of </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">2012</font><font style="font-family:Times New Roman;font-size:10pt;">, the Company maintained total bank lines of credit of $</font><font style="font-family:Times New Roman;font-size:10pt;">7.0</font><font style="font-family:Times New Roman;font-size:10pt;"> billion and </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">7.7</font><font style="font-family:Times New Roman;font-size:10pt;"> billion, respectively. 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Additionally, the Company maintained a 3-year committed, revolving, secured </font><font style="font-family:Times New Roman;font-size:10pt;">borrowing facility that</font><font style="font-family:Times New Roman;font-size:10pt;"> gives the Company the right to sell up to $</font><font style="font-family:Times New Roman;font-size:10pt;">3.0</font><font style="font-family:Times New Roman;font-size:10pt;"> billion face amount of eligible notes issued from the Charge Trust </font><font style="font-family:Times New Roman;font-size:10pt;">II </font><font style="font-family:Times New Roman;font-size:10pt;">at any time through </font><font style="font-family:Times New Roman;font-size:10pt;">July</font><font style="font-family:Times New Roman;font-size:10pt;"> 1</font><font style="font-family:Times New Roman;font-size:10pt;">5</font><font style="font-family:Times New Roman;font-size:10pt;">, 201</font><font style="font-family:Times New Roman;font-size:10pt;">6</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">As of December 31, 2013, $3</font><font style="font-family:Times New Roman;font-size:10pt;">.0 billion was drawn on this facility. </font><font style="font-family:Times New Roman;font-size:10pt;">This facility was repaid on January 15, 2014. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The </font><font style="font-family:Times New Roman;font-size:10pt;">Company paid $</font><font style="font-family:Times New Roman;font-size:10pt;">44.9</font><font style="font-family:Times New Roman;font-size:10pt;"> million and </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">46.7</font><font style="font-family:Times New Roman;font-size:10pt;"> million in fees to maintain these lines</font><font style="font-family:Times New Roman;font-size:10pt;"> in </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">2012</font><font style="font-family:Times New Roman;font-size:10pt;">, respectively</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">The</font><font style="font-family:Times New Roman;font-size:10pt;">se</font><font style="font-family:Times New Roman;font-size:10pt;"> committed facilities do not contain material adverse change clauses</font><font style="font-family:Times New Roman;font-size:10pt;">, which might otherwise preclude borrowing under the credit facilities, nor are they dependent on the Company's </font><font style="font-family:Times New Roman;font-size:10pt;">credit rating. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The Company paid total interest primarily related to short- and long-term debt, corresponding interest rate </font><font style="font-family:Times New Roman;font-size:10pt;">swaps and customer deposits of </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">2.0</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">billion</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">2.2</font><font style="font-family:Times New Roman;font-size:10pt;"> billion </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">2.4</font><font style="font-family:Times New Roman;font-size:10pt;"> billion </font><font style="font-family:Times New Roman;font-size:10pt;">in</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">2012</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">2011</font><font style="font-family:Times New Roman;font-size:10pt;">, respectively.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:10pt'>&#160;</p> <p style='margin-top:0pt; margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company's short-term borrowings outstanding, defined as borrowings with original maturities of less than one year, </font><font style="font-family:Times New Roman;font-size:10pt;">as of December 31 were </font><font style="font-family:Times New Roman;font-size:10pt;">as follows:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 13px"><td style="width: 231px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:231px;">&#160;<sup></sup></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="4" style="width: 225px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:225px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 19px; 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text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; text-align:right;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 40px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 428</font></td></tr><tr style="height: 12px"><td style="width: 272px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:272px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;">Total Long-Term Debt</font></td><td style="width: 11px; 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margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">M</font><font style="font-family:Times New Roman;font-size:10pt;">embership</font><font style="font-family:Times New Roman;font-size:10pt;"> R</font><font style="font-family:Times New Roman;font-size:10pt;">ewards</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Membership Rewards program allows enrolled </font><font style="font-family:Times New Roman;font-size:10pt;">C</font><font style="font-family:Times New Roman;font-size:10pt;">ard</font><font style="font-family:Times New Roman;font-size:10pt;"> M</font><font style="font-family:Times New Roman;font-size:10pt;">embers to earn points that can be redeemed for a bro</font><font style="font-family:Times New Roman;font-size:10pt;">ad range of rewards</font><font style="font-family:Times New Roman;font-size:10pt;"> including travel, entertainment, retail certificates and merchandise. 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The Company </font><font style="font-family:Times New Roman;font-size:10pt;">periodically </font><font style="font-family:Times New Roman;font-size:10pt;">evaluates its </font><font style="font-family:Times New Roman;font-size:10pt;">liability</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">estimation process </font><font style="font-family:Times New Roman;font-size:10pt;">and assumptions based on developments in redemption patterns, cost per p</font><font style="font-family:Times New Roman;font-size:10pt;">oint redeemed, </font><font style="font-family:Times New Roman;font-size:10pt;">partner </font><font style="font-family:Times New Roman;font-size:10pt;">contract changes</font><font style="font-family:Times New Roman;font-size:10pt;"> and other factors.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Deferred C</font><font style="font-family:Times New Roman;font-size:10pt;">ard</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and</font><font style="font-family:Times New Roman;font-size:10pt;"> O</font><font style="font-family:Times New Roman;font-size:10pt;">ther</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">F</font><font style="font-family:Times New Roman;font-size:10pt;">ees</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">Net</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The carrying amount of deferred card and other fees, net of </font><font style="font-family:Times New Roman;font-size:10pt;">deferred </font><font style="font-family:Times New Roman;font-size:10pt;">direct acquisition costs and </font><font style="font-family:Times New Roman;font-size:10pt;">reserves</font><font style="font-family:Times New Roman;font-size:10pt;"> for membership cancellations as of December&#160;31 w</font><font style="font-family:Times New Roman;font-size:10pt;">as</font><font style="font-family:Times New Roman;font-size:10pt;"> as follows:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 13px"><td colspan="2" style="width: 223px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:223px;"><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">(Millions)</font><sup></sup></td><td style="width: 11px; 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text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:13px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 37px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:37px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1,609</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:13px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 37px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:37px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1,566</font></td></tr><tr style="height: 13px"><td colspan="2" style="width: 223px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:223px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Reserves for membership cancellations</font><sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 37px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:37px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (131)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 37px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:37px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (126)</font></td></tr><tr style="height: 13px"><td style="width: 10px; 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border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:13px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 37px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:37px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 1,286</font></td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'></p><ul><li style="margin-left:17.95px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:7.5pt;">Includes deferred fees for Membershi</font><font style="font-family:Times New Roman;font-size:7.5pt;">p Reward</font><font style="font-family:Times New Roman;font-size:7.5pt;">s</font><font style="font-family:Times New Roman;font-size:7.5pt;"> program participants.</font></li></ul> <p style='margin-top:0pt; margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following is a summary of other liabilities as of December&#160;31:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 13px"><td style="width: 215px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:215px;"><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">(Millions)</font><sup>&#160;&#160;</sup></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td colspan="2" style="width: 55px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:55px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">2013</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td colspan="2" style="width: 53px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:53px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">2012</font></td></tr><tr style="height: 13px"><td style="width: 215px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:215px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Membership Rewards liability</font><sup>&#160;&#160;</sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; 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The Company </font><font style="font-family:Times New Roman;font-size:10pt;">records a</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">balance sh</font><font style="font-family:Times New Roman;font-size:10pt;">eet </font><font style="font-family:Times New Roman;font-size:10pt;">liability</font><font style="font-family:Times New Roman;font-size:10pt;"> that</font><font style="font-family:Times New Roman;font-size:10pt;"> represent</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">management's best estimate of the </font><font style="font-family:Times New Roman;font-size:10pt;">cost of points ear</font><font style="font-family:Times New Roman;font-size:10pt;">ned </font><font style="font-family:Times New Roman;font-size:10pt;">that are</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">expected to </font><font style="font-family:Times New Roman;font-size:10pt;">be redeemed.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">A</font><font style="font-family:Times New Roman;font-size:10pt;">n ultimate redemption rate and weighted average cost per point are key </font><font style="font-family:Times New Roman;font-size:10pt;">factors used to approximate </font><font style="font-family:Times New Roman;font-size:10pt;">Membership Reward</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">liability</font><font style="font-family:Times New Roman;font-size:10pt;">. 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The Company </font><font style="font-family:Times New Roman;font-size:10pt;">periodically </font><font style="font-family:Times New Roman;font-size:10pt;">evaluates its </font><font style="font-family:Times New Roman;font-size:10pt;">liability</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">estimation process </font><font style="font-family:Times New Roman;font-size:10pt;">and assumptions based on developments in redemption patterns, cost per p</font><font style="font-family:Times New Roman;font-size:10pt;">oint redeemed, </font><font style="font-family:Times New Roman;font-size:10pt;">partner </font><font style="font-family:Times New Roman;font-size:10pt;">contract changes</font><font style="font-family:Times New Roman;font-size:10pt;"> and other factors.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p> 1609000000 -164000000 -131000000 1566000000 -154000000 -126000000 0 0 0 258000000 0 0 0 0 18400000000 14700000000 122000000 295000000 346000000 491000000 503000000 -26000000 253000000 -288000000 0 0 26000000 0 0 335000000 180700000 415900000 329000000 -13000000 -1000000 -3000000 0 0 0 0 0 0 0 0 0 <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">N</font><font style="font-family:Times New Roman;font-size:10pt;">OTE</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">12</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:13.5pt;margin-left:0px;">Derivatives and Hedging A</font><font style="font-family:Times New Roman;font-size:13.5pt;">ctivities </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company uses derivative financial instruments (derivatives) to manage exposure</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> to various market risks.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Derivatives derive their value from an underlying variable or multiple variables, including interest rate, foreign exchange, and equity ind</font><font style="font-family:Times New Roman;font-size:10pt;">ex</font><font style="font-family:Times New Roman;font-size:10pt;"> or price. These instruments enable end users to increase, reduce or alter exposure to various market risks and, for that reason, are an integral component of the Company's market risk management. The Company does not engage in derivatives for trading purposes.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Market risk is the risk to earnings or value resulting fr</font><font style="font-family:Times New Roman;font-size:10pt;">om movements in market prices. </font><font style="font-family:Times New Roman;font-size:10pt;">The Company's market risk expo</font><font style="font-family:Times New Roman;font-size:10pt;">sure is primarily generated by:</font></p><p style='margin-top:6pt; margin-bottom:6pt'></p><ul><li><font style="font-family:Times New Roman;font-size:10pt;">Interest rate risk</font><font style="font-family:Times New Roman;font-size:10pt;"> in its card</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> insurance and Travelers </font><font style="font-family:Times New Roman;font-size:10pt;">C</font><font style="font-family:Times New Roman;font-size:10pt;">heque</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and other prepaid products </font><font style="font-family:Times New Roman;font-size:10pt;">businesses, </font><font style="font-family:Times New Roman;font-size:10pt;">as well as</font><font style="font-family:Times New Roman;font-size:10pt;"> its investment portfolios; and</font></li><li><font style="font-family:Times New Roman;font-size:10pt;">Foreign ex</font><font style="font-family:Times New Roman;font-size:10pt;">change risk in its</font><font style="font-family:Times New Roman;font-size:10pt;">&#160;operations</font><font style="font-family:Times New Roman;font-size:10pt;"> outside the U</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;">S</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> and the associated funding of such operations</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></li></ul><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">T</font><font style="font-family:Times New Roman;font-size:10pt;">he Company </font><font style="font-family:Times New Roman;font-size:10pt;">centrally monitors market risks using m</font><font style="font-family:Times New Roman;font-size:10pt;">arket risk limits and escalation triggers</font><font style="font-family:Times New Roman;font-size:10pt;"> as defined in its </font><font style="font-family:Times New Roman;font-size:10pt;">Asset/Liability Management Policy</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The Company's market exposu</font><font style="font-family:Times New Roman;font-size:10pt;">res are in large part by</font><font style="font-family:Times New Roman;font-size:10pt;">products of the delivery of its products and services. Interest rate risk arises through the funding of </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> receivables and fixed-rate loans with variable-rate borrowings as well as through the risk to net interest margin from changes in the relationship between benchmark rates such as Prime and LIBOR.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Interest rate exposure within the Company's charge card and fixed-rate lending products is managed by varying the proportion of total funding provided by short-term and variable-rate debt and deposits compared to fixed-rate debt and deposits. In addition, interest rate swaps are used from time to time to </font><font style="font-family:Times New Roman;font-size:10pt;">economically</font><font style="font-family:Times New Roman;font-size:10pt;"> convert fixed-rate debt </font><font style="font-family:Times New Roman;font-size:10pt;">obligations </font><font style="font-family:Times New Roman;font-size:10pt;">to variable-rate </font><font style="font-family:Times New Roman;font-size:10pt;">obligations </font><font style="font-family:Times New Roman;font-size:10pt;">or to convert variable-rate debt </font><font style="font-family:Times New Roman;font-size:10pt;">obligations to fixed-</font><font style="font-family:Times New Roman;font-size:10pt;">rate</font><font style="font-family:Times New Roman;font-size:10pt;"> obligations</font><font style="font-family:Times New Roman;font-size:10pt;">. The Company may change the mix between variable-rate and fixed-rate funding based on changes in business volume</font><font style="font-family:Times New Roman;font-size:10pt;">s and mix, among other factors.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Foreign exchange risk is generated by </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> cross-currency charges, foreign currency balance sheet expos</font><font style="font-family:Times New Roman;font-size:10pt;">ures, foreign subsidiary equity</font><font style="font-family:Times New Roman;font-size:10pt;"> and foreign currency earnings in </font><font style="font-family:Times New Roman;font-size:10pt;">entities </font><font style="font-family:Times New Roman;font-size:10pt;">outside</font><font style="font-family:Times New Roman;font-size:10pt;"> the U</font><font style="font-family:Times New Roman;font-size:10pt;">.S</font><font style="font-family:Times New Roman;font-size:10pt;">. The Company's foreign exchange risk is managed primarily by entering into agreements to buy and sell currencies on a spot basis or by hedging this market exposure to the extent it is economically justified through various means, including the use of derivatives such as foreign exchange forward</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and cross-currency swap contracts, which can help </font><font style="font-family:Times New Roman;font-size:10pt;">mitigate</font><font style="font-family:Times New Roman;font-size:10pt;"> the Company's exposure to specific currencies.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">In addition to the exposures identified above, effective August 1, 2011, the Company entered into a total return contract (TRC) to hedge its exposure to changes in the fair value of its equity investment in ICBC</font><font style="font-family:Times New Roman;font-size:10pt;"> in local currency</font><font style="font-family:Times New Roman;font-size:10pt;">. Under the terms of the TRC, the Company receives from the TRC counterparty an amount equivalent to any reduction in the fair value of its investment</font><font style="font-family:Times New Roman;font-size:10pt;"> in ICBC</font><font style="font-family:Times New Roman;font-size:10pt;"> in local currency</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">the Company pays to the </font><font style="font-family:Times New Roman;font-size:10pt;">TRC counterparty an amount equivalent</font><font style="font-family:Times New Roman;font-size:10pt;"> to any increase in the fair value of its investment</font><font style="font-family:Times New Roman;font-size:10pt;"> in local currency</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> along with all dividends paid by ICBC, as well as </font><font style="font-family:Times New Roman;font-size:10pt;">ongoing </font><font style="font-family:Times New Roman;font-size:10pt;">hedge costs</font><font style="font-family:Times New Roman;font-size:10pt;">. The TRC matures on August 1, 201</font><font style="font-family:Times New Roman;font-size:10pt;">4</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Derivatives may give rise to counterparty credit risk</font><font style="font-family:Times New Roman;font-size:10pt;">, which is the risk that a derivative counterparty will default on, or otherwise be unable to perform pursuant to, an uncollateralized derivative exposure</font><font style="font-family:Times New Roman;font-size:10pt;">. The Company manages this risk by considering the current exposure, which is the replacement cost of contracts on the measurement date, as well as estimating the maximum potential value of the contracts over the next 12 months, considering such factors as the volatility of the underlying or reference index. To mitigate derivative credit risk, counterparties are required to be pre-approved </font><font style="font-family:Times New Roman;font-size:10pt;">by the Company </font><font style="font-family:Times New Roman;font-size:10pt;">and rated as investment grade. Counterparty risk exposures are </font><font style="font-family:Times New Roman;font-size:10pt;">centrally </font><font style="font-family:Times New Roman;font-size:10pt;">monitored </font><font style="font-family:Times New Roman;font-size:10pt;">by</font><font style="font-family:Times New Roman;font-size:10pt;"> the Company</font><font style="font-family:Times New Roman;font-size:10pt;">. Additionally,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">in order to mitigate the bilateral counterparty credit risk associated with derivatives, </font><font style="font-family:Times New Roman;font-size:10pt;">the</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Company has</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">in certain instances</font><font style="font-family:Times New Roman;font-size:10pt;"> enter</font><font style="font-family:Times New Roman;font-size:10pt;">ed into</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">master netting </font><font style="font-family:Times New Roman;font-size:10pt;">agreements with its derivative counterparties, which provide a right of offset for certain exposures between the parties</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:12pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">A significant portion of the Company's derivative assets and liabilities as of December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">2012</font><font style="font-family:Times New Roman;font-size:10pt;"> is subject to such master netting agreements with its derivative counterparties. There are no instances </font><font style="font-family:Times New Roman;font-size:10pt;">in which</font><font style="font-family:Times New Roman;font-size:10pt;"> management makes an accounting policy election to not net assets and liabilities subject to an enforceable master netting agreement on the Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s Consolidated Balance Sheets. </font><font style="font-family:Times New Roman;font-size:10pt;">To further mitigate bilateral counterparty credit risk, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company exercises</font><font style="font-family:Times New Roman;font-size:10pt;"> its right</font><font style="font-family:Times New Roman;font-size:10pt;">s under executed credit support </font><font style="font-family:Times New Roman;font-size:10pt;">agreements with certain of its derivative </font><font style="font-family:Times New Roman;font-size:10pt;">counterparties</font><font style="font-family:Times New Roman;font-size:10pt;">. 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The accounting for changes in fair value depends on the instruments' intended use and the resulting hedge designation, if any, as discussed below. 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text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 354px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:354px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Net investment hedges</font><sup></sup></td><td style="width: 15px; 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text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 637</font></td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 867</font></td><td style="width: 15px; 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Any difference between the changes in the fair value of the derivative and the hedged item is referred to as hedge ineffectiveness and is </font><font style="font-family:Times New Roman;font-size:10pt;">reflected </font><font style="font-family:Times New Roman;font-size:10pt;">in earnings as a component of other expenses. Hedge ineffectiveness may be caused by differences between the debt's interest coupon and the benchmark rate, primarily due to credit spreads at inception of the hedging relationship that are not reflected in the valuation of the interest rate swap. 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If a fair value hedge is de-designated or no longer considered to be effective, changes in fair value of the derivative continue to be recorded through earnings but the hedged asset or liability is no longer adjusted for changes in fair value</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">resulting from</font><font style="font-family:Times New Roman;font-size:10pt;"> changes in interest rates</font><font style="font-family:Times New Roman;font-size:10pt;">. The existing basis adjustment of the hedged asset or liability is amortized or accreted as an adjustment to yield over the remaining life of that asset or liability.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Total Return Contract</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company </font><font style="font-family:Times New Roman;font-size:10pt;">hedges its</font><font style="font-family:Times New Roman;font-size:10pt;"> exposure</font><font style="font-family:Times New Roman;font-size:10pt;"> to changes in the fair value of its equity investment in ICBC in </font><font style="font-family:Times New Roman;font-size:10pt;">local currency</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">The Company uses a TRC to transfer this exposure to its derivative counterparty. </font><font style="font-family:Times New Roman;font-size:10pt;">As of December 31,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">2012</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">the fair value of the equity investment in ICBC was $</font><font style="font-family:Times New Roman;font-size:10pt;">122</font><font style="font-family:Times New Roman;font-size:10pt;"> million </font><font style="font-family:Times New Roman;font-size:10pt;">(180.7</font><font style="font-family:Times New Roman;font-size:10pt;"> million shares) </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">295</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">(415.9</font><font style="font-family:Times New Roman;font-size:10pt;"> million shares)</font><font style="font-family:Times New Roman;font-size:10pt;">, respectively. </font><font style="font-family:Times New Roman;font-size:10pt;">To the extent the hedge is effective, the gain or loss on the TRC offsets the loss or gain on the investment in ICBC. 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Such exposures may relate to either an existing recognized asset or liability or a forecasted transaction. The Company hedges existing long-term variable-rate debt, the rollover of short-term borrowings and the anticipated forecasted issuance of additional funding through the use of derivatives, primarily interest rate swaps. These derivative instruments </font><font style="font-family:Times New Roman;font-size:10pt;">economically</font><font style="font-family:Times New Roman;font-size:10pt;"> convert </font><font style="font-family:Times New Roman;font-size:10pt;">floating-rate debt </font><font style="font-family:Times New Roman;font-size:10pt;">obligations </font><font style="font-family:Times New Roman;font-size:10pt;">to fixed-rate </font><font style="font-family:Times New Roman;font-size:10pt;">obligations</font><font style="font-family:Times New Roman;font-size:10pt;"> f</font><font style="font-family:Times New Roman;font-size:10pt;">or the duration of the instrument. 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">D</font><font style="font-family:Times New Roman;font-size:10pt;">erivatives </font><font style="font-family:Times New Roman;font-size:10pt;">Not Designated As H</font><font style="font-family:Times New Roman;font-size:10pt;">edges</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company has derivatives that act as economic hedges</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">but</font><font style="font-family:Times New Roman;font-size:10pt;"> are not designated as such </font><font style="font-family:Times New Roman;font-size:10pt;">for hedge accounting purposes. Foreign currency transactions and non-U.S. dollar cash flow exposures from time to time may be partially or fully economically hedged through foreign currency contracts, primarily foreign exchange forwards, options and cross-currency swaps. These hedges generally mature within one year. Foreign currency contracts involve the purchase and sale of a designated currency at an agreed upon rate for settlement on a specified date. The changes in the fair value of the derivatives effectively offset the related foreign exchange gains or losses on the underlying balance sheet exposures. From time to time, the Company may enter into interest rate swaps to specifically manage funding costs related to its proprietary card business.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The Company has certain operating agreements </font><font style="font-family:Times New Roman;font-size:10pt;">containing </font><font style="font-family:Times New Roman;font-size:10pt;">payments </font><font style="font-family:Times New Roman;font-size:10pt;">that </font><font style="font-family:Times New Roman;font-size:10pt;">may be linked to a market rate or price, pr</font><font style="font-family:Times New Roman;font-size:10pt;">imarily foreign currency rates.</font><font style="font-family:Times New Roman;font-size:10pt;"> The payment components of these agreements may meet the definition of an embedded derivative, </font><font style="font-family:Times New Roman;font-size:10pt;">in which case</font><font style="font-family:Times New Roman;font-size:10pt;"> the embedded derivative is accounted for separately and is classified as a foreign exchange contract based on its primary risk exposure. </font></p><p style='margin-top:0pt; 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text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 38px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:38px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">2013</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 38px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:38px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">2012</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 38px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:38px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">2011</font><sup></sup></td></tr><tr style="height: 13px"><td style="width: 101px; 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text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> (178)</font></td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 128</font></td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 89px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Other expenses&#160;&#160;</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">351</font></td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 132</font></td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> (102)</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">(19)</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> (46)</font></td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 26</font><sup></sup></td></tr><tr style="height: 13px"><td style="width: 101px; text-align:left;border-color:#000000;min-width:101px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">Total return contract</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 89px; text-align:left;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">Other non-interest</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 89px; text-align:left;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Other non-interest</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; text-align:right;border-color:#000000;min-width:27px;">&#160;<sup></sup></td></tr><tr style="height: 13px"><td style="width: 101px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:101px;">&#160;</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;"> revenues</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">15</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> (53)</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 100</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;"> revenues</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">(15)</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 54</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> (112)</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 1</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">$</font></td><td style="width: 27px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:27px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> (12)</font><sup></sup></td></tr><tr style="height: 18px"><td style="width: 101px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:101px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 89px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:27px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 11px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 27px; 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margin-bottom:0pt'>&#160;</p> 44000000000 1000000000 45000000000 73000000 44000000000 1000000000 45000000000 88000000 161000000 93000000 93000000 186000000 63000000 3900000 4200000 55000000 69000000 236000000 217000000 20000000 0 0 0 0 0 0 1.66 150000000 108000000 1100000 1000000 3500000 260000000 <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">NOTE 14</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:ACaslon Bold;font-size:13.5pt;margin-left:0px;">C</font><font style="font-family:ACaslon Bold;font-size:13.5pt;">ommon</font><font style="font-family:ACaslon Bold;font-size:13.5pt;"> </font><font style="font-family:ACaslon Bold;font-size:13.5pt;">and</font><font style="font-family:ACaslon Bold;font-size:13.5pt;"> P</font><font style="font-family:ACaslon Bold;font-size:13.5pt;">referred</font><font style="font-family:ACaslon Bold;font-size:13.5pt;"> S</font><font style="font-family:ACaslon Bold;font-size:13.5pt;">hares</font></p><p style='margin-top:0pt; 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text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 39px; text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 39px; text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 45px; text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> (589)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 40px; text-align:left;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 42px; text-align:left;border-color:#000000;min-width:42px;">&#160;</td><td style="width: 11px; 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margin-bottom:10pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statement of Income for the </font><font style="font-family:Times New Roman;font-size:10pt;">year </font><font style="font-family:Times New Roman;font-size:10pt;">ended </font><font style="font-family:Times New Roman;font-size:10pt;">Dec</font><font style="font-family:Times New Roman;font-size:10pt;">ember 3</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 450px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:450px;"><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;">(Millions)</font></td><td style="width: 12px; 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margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Changes in each component of </font><font style="font-family:Times New Roman;font-size:10pt;">A</font><font style="font-family:Times New Roman;font-size:10pt;">OCI for th</font><font style="font-family:Times New Roman;font-size:10pt;">e three years ended December&#160;31</font><font style="font-family:Times New Roman;font-size:10pt;"> were as follows:</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 50px"><td style="width: 282px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:282px;"><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;">(Millions)</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5pt;COLOR: #000000;">, net of tax</font><sup>(a)</sup></td><td style="width: 11px; 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text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 39px; text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 39px; text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 39px; text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 45px; text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> (589)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 40px; 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text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 39px; text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 39px; text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 45px; text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7.5.5pt;COLOR: #000000;TEXT-ALIGN: right;"> 253</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 40px; text-align:left;border-color:#000000;min-width:40px;">&#160;</td><td style="width: 42px; text-align:left;border-color:#000000;min-width:42px;">&#160;</td><td style="width: 11px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 37px; text-align:left;border-color:#000000;min-width:37px;">&#160;</td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 37px; text-align:left;border-color:#000000;min-width:37px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="3" style="width: 170px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:170px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">continuing operations</font></td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">$</font></td><td style="width: 37px; 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The tax years under examination and open for examination vary by jurisdiction. </font><font style="font-family:Times New Roman;font-size:10pt;">The IRS has completed its field examination of the Company's federal tax returns for years through 200</font><font style="font-family:Times New Roman;font-size:10pt;">7</font><font style="font-family:Times New Roman;font-size:10pt;">;</font><font style="font-family:Times New Roman;font-size:10pt;"> however</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> refund claims for </font><font style="font-family:Times New Roman;font-size:10pt;">certain</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">years continue to be reviewed by the IRS</font><font style="font-family:Times New Roman;font-size:10pt;">. 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text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:right;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:right;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:right;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 6px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 6px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="4" style="width: 191px; text-align:left;border-color:#000000;min-width:191px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Basic: Weighted-average common stock</font><sup>&#160;&#160;</sup></td><td style="width: 7px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:173px;">&#160;<sup>&#160;&#160;</sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; 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text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="3" style="width: 185px; text-align:left;border-color:#000000;min-width:185px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">attributable to common shareholders</font><sup>&#160;&#160;</sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 30px; text-align:right;border-color:#000000;min-width:30px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">4.91</font></td><td style="width: 7px; 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border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 6px; 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text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td colspan="5" style="width: 197px; text-align:left;border-color:#000000;min-width:197px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Diluted EPS:</font><sup></sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="4" style="width: 191px; text-align:left;border-color:#000000;min-width:191px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Income from continuing operations</font><sup></sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="3" style="width: 185px; 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text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 6px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="3" style="width: 185px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:185px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">shareholders</font><sup>&#160;&#160;</sup></td><td style="width: 7px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:30px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">6</font></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:30px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">6</font></td></tr><tr style="height: 13px"><td style="width: 6px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="4" style="width: 191px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:191px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Diluted</font><sup>&#160;&#160;</sup></td><td style="width: 7px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:173px;">&#160;<sup>&#160;&#160;</sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="4" style="width: 191px; text-align:left;border-color:#000000;min-width:191px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Income from continuing operations</font><sup></sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="3" style="width: 185px; text-align:left;border-color:#000000;min-width:185px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">attributable to common shareholders</font><sup>&#160;&#160;</sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 30px; text-align:right;border-color:#000000;min-width:30px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">4.91</font></td><td style="width: 7px; 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text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:30px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 0.03</font></td></tr><tr style="height: 13px"><td style="width: 6px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="4" style="width: 191px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:191px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Net income attributable to common </font><sup></sup></td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:30px;">&#160;</td><td style="width: 7px; text-align:right;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 30px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:30px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 6px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 6px; 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border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 8px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:8px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:34px;">&#160;</td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'></p><ul><li style="margin-left:36px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:8pt;">Other </font><font style="font-family:Times New Roman;font-size:8pt;">primarily </font><font style="font-family:Times New Roman;font-size:8pt;">include</font><font style="font-family:Times New Roman;font-size:8pt;">s</font><font style="font-family:Times New Roman;font-size:8pt;"> fee revenue from the Loyalty Partner busin</font><font style="font-family:Times New Roman;font-size:8pt;">ess and fees related to</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">M</font><font style="font-family:Times New Roman;font-size:8pt;">embership </font><font style="font-family:Times New Roman;font-size:8pt;">R</font><font style="font-family:Times New Roman;font-size:8pt;">ewards programs.</font></li></ul><p style='margin-top:0pt; 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margin-bottom:0pt'>&#160;</p> <p style='margin-top:0pt; margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following is a detail of other commissions and fees f</font><font style="font-family:Times New Roman;font-size:10pt;">or the years ended December&#160;31:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 13px"><td colspan="2" style="width: 198px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:198px;"><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">(Millions)</font><sup></sup></td><td style="width: 7px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td colspan="2" style="width: 42px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:42px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">2013</font></td><td style="width: 7px; 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border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:7px;">&#160;</td><td style="width: 8px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:8px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:34px;">&#160;</td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'></p><ul><li style="margin-left:36px;list-style:lower-alpha;"><font style="font-family:Times New Roman;font-size:8pt;">Other </font><font style="font-family:Times New Roman;font-size:8pt;">primarily </font><font style="font-family:Times New Roman;font-size:8pt;">include</font><font style="font-family:Times New Roman;font-size:8pt;">s</font><font style="font-family:Times New Roman;font-size:8pt;"> fee revenue from the Loyalty Partner busin</font><font style="font-family:Times New Roman;font-size:8pt;">ess and fees related to</font><font style="font-family:Times New Roman;font-size:8pt;"> </font><font style="font-family:Times New Roman;font-size:8pt;">M</font><font style="font-family:Times New Roman;font-size:8pt;">embership </font><font style="font-family:Times New Roman;font-size:8pt;">R</font><font style="font-family:Times New Roman;font-size:8pt;">ewards programs.</font></li></ul><p style='margin-top:0pt; 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individuals</font><sup></sup></td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:16px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:40px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 265</font></td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:13px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 40px; 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The Company's exposure to business and credit risk in the airline industry is primarily through business arrangements where the Company has remitted payment to the airline for a </font><font style="font-family:Times New Roman;font-size:10pt;">Card Member</font><font style="font-family:Times New Roman;font-size:10pt;"> purchase of tickets that have not yet been used or &#8220;flown</font><font style="font-family:Times New Roman;font-size:10pt;">&#8221;</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> The Company mitigates this risk by delaying payment to the airlines with deteriorating financial situations, thereby increasing cash withheld to protect the Company in the event the airline is liquidated. 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margin-bottom:0pt'>&#160;</p> 111000000000 108000000000 85000000000 89000000000 22000000000 23000000000 219000000000 208000000000 45000000000 46000000000 <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">NOTE </font><font style="font-family:Times New Roman;font-size:10pt;">23</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:13.5pt;margin-left:0px;">R</font><font style="font-family:Times New Roman;font-size:13.5pt;">egulatory </font><font style="font-family:Times New Roman;font-size:13.5pt;">Matters and Capital A</font><font style="font-family:Times New Roman;font-size:13.5pt;">dequacy </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company is </font><font style="font-family:Times New Roman;font-size:10pt;">supervised and </font><font style="font-family:Times New Roman;font-size:10pt;">regulated by the Federal Reserve and is subject to the Federal Reserve's requirements for risk-based capital and leverage </font><font style="font-family:Times New Roman;font-size:10pt;">ratios. 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The Banks</font><font style="font-family:Times New Roman;font-size:10pt;"> are subject to statutory and regulatory limitations on the</font><font style="font-family:Times New Roman;font-size:10pt;">ir</font><font style="font-family:Times New Roman;font-size:10pt;"> ability to pay dividends.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">The total amount of </font><font style="font-family:Times New Roman;font-size:10pt;">dividends that</font><font style="font-family:Times New Roman;font-size:10pt;"> may be paid at any date, subject to </font><font style="font-family:Times New Roman;font-size:10pt;">supervisory </font><font style="font-family:Times New Roman;font-size:10pt;">considerations</font><font style="font-family:Times New Roman;font-size:10pt;"> of the Bank</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;">' regulators</font><font style="font-family:Times New Roman;font-size:10pt;">, is generally</font><font style="font-family:Times New Roman;font-size:10pt;"> limited</font><font style="font-family:Times New Roman;font-size:10pt;"> to the retained earnings of the respective bank.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">As of December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">2012</font><font style="font-family:Times New Roman;font-size:10pt;">, the Banks' retained earnings, in the aggregate, available for t</font><font style="font-family:Times New Roman;font-size:10pt;">he payment of dividends were $</font><font style="font-family:Times New Roman;font-size:10pt;">4.6</font><font style="font-family:Times New Roman;font-size:10pt;"> billion and $</font><font style="font-family:Times New Roman;font-size:10pt;">4.7</font><font style="font-family:Times New Roman;font-size:10pt;"> b</font><font style="font-family:Times New Roman;font-size:10pt;">illion, respectively.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">In determining the dividends</font><font style="font-family:Times New Roman;font-size:10pt;"> to pay its parent</font><font style="font-family:Times New Roman;font-size:10pt;">, the Banks must also consider the effects on applicable risk-based capital and leverage ratio requirements, as well as policy statements of the federal regulatory agencies.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">In addition, </font><font style="font-family:Times New Roman;font-size:10pt;">the Banks'</font><font style="font-family:Times New Roman;font-size:10pt;"> banking regulators have authority to limit or prohibit the payment of a dividend by </font><font style="font-family:Times New Roman;font-size:10pt;">the Banks</font><font style="font-family:Times New Roman;font-size:10pt;"> under a num</font><font style="font-family:Times New Roman;font-size:10pt;">ber of circumstances, including</font><font style="font-family:Times New Roman;font-size:10pt;"> if, in the banking regulator's opinion, payment of a dividend would constitute an unsafe or unsound banking practice in light of the financial condition of the banking organization.</font></p> <p style='margin-top:0pt; 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These restrictions have not had any effect on the Company&#8217;s shareholder dividend policy and management does not anticipate any impact in the future. Procedures exist to transfer net assets between the Company and its subsidiaries, while ensuring compliance with the various contractual and regulatory constraints. As of December 31, 2013, the aggregate amount of net assets of subsidiaries that are restricted to be transferred to the Company was approximately $9.9 billion. Bank Holding Company Dividend Restrictions The Company is limited in its ability to pay dividends by the Federal Reserve, which could prohibit a dividend that would be considered an unsafe or unsound banking practice. It is the policy of the Federal Reserve that bank holding companies generally should pay dividends on common stock only out of net income available to common shareholders generated over the past year, and only if prospective earnings retention is consistent with the organization&#8217;s current and expected future capital needs, asset quality and overall financial condition. Moreover, bank holding companies are required by statute to be a source of strength to their insured depository institution subsidiaries and should not maintain dividend levels that undermine their ability to do so. On an annual basis, the Company is required to develop and maintain a capital plan, which includes planned dividends over a two-year horizon, and to submit the capital plan to the Federal Reserve. Banks&#8217; Dividend Restrictions In the years ended December 31, 2013 and 2012, Centurion Bank paid dividends from retained earnings to its parent of $1.4 billion and $2.0 billion, respectively, and FSB paid dividends from retained earnings to its parent of $1.8 billion and $1.5 billion, respectively. The Banks are subject to statutory and regulatory limitations on their ability to pay dividends. The total amount of dividends that may be paid at any date, subject to supervisory considerations of the Banks&#8217; regulators, is generally limited to the retained earnings of the respective bank. As of December 31, 2013 and 2012, the Banks&#8217; retained earnings, in the aggregate, available for the payment of dividends were $4.6 billion and $4.7 billion, respectively. In determining the dividends to pay its parent, the Banks must also consider the effects on applicable risk-based capital and leverage ratio requirements, as well as policy statements of the federal regulatory agencies. In addition, the Banks&#8217; banking regulators have authority to limit or prohibit the payment of a dividend by the Banks under a number of circumstances, including if, in the banking regulator&#8217;s opinion, payment of a dividend would constitute an unsafe or unsound banking practice in light of the financial condition of the banking organization. 0 440000000 2800000000 305000000 280000000 11000000 4000000 4000000 4000000 4000000 14000000 281000000 4050000000 1130000000 700000000 280000000 300000000 172000000 186000000 6000000 13000000 23000000 <p style='margin-top:2pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Legal C</font><font style="font-family:Times New Roman;font-size:10pt;">ontingencies</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company and its subsidiaries are involved in a number of legal proceedings concerning matters arising </font><font style="font-family:Times New Roman;font-size:10pt;">out of</font><font style="font-family:Times New Roman;font-size:10pt;"> the conduct of their respective business activities and are periodically subject to governmental</font><font style="font-family:Times New Roman;font-size:10pt;"> and regulatory</font><font style="font-family:Times New Roman;font-size:10pt;"> examinations</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> information gathering requests, subpoenas, inquiries and investigations (collectively</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> governmental examinations</font><font style="font-family:Times New Roman;font-size:10pt;">). 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The Company evaluates, on a quarterly basis, developments in legal proceedings and governmental examinations that could cause an increase or decrease in the amount of the liability that h</font><font style="font-family:Times New Roman;font-size:10pt;">as been previously accrued</font><font style="font-family:Times New Roman;font-size:10pt;"> or a revision to the disclosed estimated range of possible losses, as applicable</font><font style="font-family:Times New Roman;font-size:10pt;">. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The Company's legal proceedings range from cases brought by a single plaintiff to class actions with</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">millions</font><font style="font-family:Times New Roman;font-size:10pt;"> of putative class members. 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Even when the amount of damages claimed against the Company are stated, the claimed amount may be exaggerated and/or unsupported. </font><font style="font-family:Times New Roman;font-size:10pt;">As a result, some matters have not yet progressed sufficiently through discovery and/or development of important factual information and legal issues to enable the Company to estimate a range of possible loss.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Other matters have progressed sufficiently through discovery and/or development of important factual information and legal issues </font><font style="font-family:Times New Roman;font-size:10pt;">so</font><font style="font-family:Times New Roman;font-size:10pt;"> that the Company is able to esti</font><font style="font-family:Times New Roman;font-size:10pt;">mate a range of possible loss. </font><font style="font-family:Times New Roman;font-size:10pt;">Accordingly, for those legal proceedings and governmental examination</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> disclosed </font><font style="font-family:Times New Roman;font-size:10pt;">or referred to </font><font style="font-family:Times New Roman;font-size:10pt;">in Legal Proceedings </font><font style="font-family:Times New Roman;font-size:10pt;">w</font><font style="font-family:Times New Roman;font-size:10pt;">h</font><font style="font-family:Times New Roman;font-size:10pt;">ere </font><font style="font-family:Times New Roman;font-size:10pt;">a loss is reasonably</font><font style="font-family:Times New Roman;font-size:10pt;"> possible in future periods, whether in excess of a related accrued liability or where there is no accrued liability, and for which the Company is able to estimate a range of possible loss, the current estimated range is </font><font style="font-family:Times New Roman;font-size:10pt;">zero</font><font style="font-family:Times New Roman;font-size:10pt;"> to $</font><font style="font-family:Times New Roman;font-size:10pt;">440</font><font style="font-family:Times New Roman;font-size:10pt;"> million in excess of </font><font style="font-family:Times New Roman;font-size:10pt;">any</font><font style="font-family:Times New Roman;font-size:10pt;"> accrued liability related to th</font><font style="font-family:Times New Roman;font-size:10pt;">e</font><font style="font-family:Times New Roman;font-size:10pt;">se matters. This aggregate range represents management's estimate of possible loss with respect to these matters and is based on currently available information. This estimated range of possible loss does not represent the Company's maximum loss exposure. The legal proceedings and governmental examinations underlying the estimated range will change from time to time and actual results</font><font style="font-family:Times New Roman;font-size:10pt;"> may vary significantly from</font><font style="font-family:Times New Roman;font-size:10pt;"> current estimate</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">Based on its current knowledge, </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">taking into consideration its litigation-related liabilities, the Company believes it is not a party to, nor are any of its properties the subject of, any pending legal proceeding or governmental examination that would have a material adverse effect on the Company's consolidated financial condition or liquidity. However, in light of the uncertainties involved in such matters, the ultimate outcome of a particular matter could be material to the Company's operating results for a particular period depending on, among other factors, the size of the loss or liability imposed and the level of the Company's </font><font style="font-family:Times New Roman;font-size:10pt;">earnings</font><font style="font-family:Times New Roman;font-size:10pt;"> for that period.</font></p> <p style='margin-top:9.8pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">NOTE 24</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:13.5pt;margin-left:0px;">Commitments and C</font><font style="font-family:Times New Roman;font-size:13.5pt;">ontingencies </font></p><p style='margin-top:2pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Legal C</font><font style="font-family:Times New Roman;font-size:10pt;">ontingencies</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company and its subsidiaries are involved in a number of legal proceedings concerning matters arising </font><font style="font-family:Times New Roman;font-size:10pt;">out of</font><font style="font-family:Times New Roman;font-size:10pt;"> the conduct of their respective business activities and are periodically subject to governmental</font><font style="font-family:Times New Roman;font-size:10pt;"> and regulatory</font><font style="font-family:Times New Roman;font-size:10pt;"> examinations</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> information gathering requests, subpoenas, inquiries and investigations (collectively</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> governmental examinations</font><font style="font-family:Times New Roman;font-size:10pt;">). 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The Company </font><font style="font-family:Times New Roman;font-size:10pt;">discloses </font><font style="font-family:Times New Roman;font-size:10pt;">its </font><font style="font-family:Times New Roman;font-size:10pt;">material </font><font style="font-family:Times New Roman;font-size:10pt;">legal proceedings and governmental examinations under</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">&#8220;Legal Proceedings&#8221; </font><font style="font-family:Times New Roman;font-size:10pt;">in</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">its Annual Report on Form 10-K for the year ended December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013</font><font style="font-family:Times New Roman;font-size:10pt;"> (Legal Proceedings</font><font style="font-family:Times New Roman;font-size:10pt;">).</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The Company has recorded liabilities for certain of its outstanding legal proceedings and governmental examinations. A liability is </font><font style="font-family:Times New Roman;font-size:10pt;">accrued </font><font style="font-family:Times New Roman;font-size:10pt;">when it is both (a) probable that a loss has occurred and (b) the amount of loss can be reasonably estimated</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">A</font><font style="font-family:Times New Roman;font-size:10pt;">s discussed below, </font><font style="font-family:Times New Roman;font-size:10pt;">there may be </font><font style="font-family:Times New Roman;font-size:10pt;">instances in which </font><font style="font-family:Times New Roman;font-size:10pt;">an exposure to loss </font><font style="font-family:Times New Roman;font-size:10pt;">exceeds</font><font style="font-family:Times New Roman;font-size:10pt;"> the </font><font style="font-family:Times New Roman;font-size:10pt;">accrued </font><font style="font-family:Times New Roman;font-size:10pt;">liability. The Company evaluates, on a quarterly basis, developments in legal proceedings and governmental examinations that could cause an increase or decrease in the amount of the liability that h</font><font style="font-family:Times New Roman;font-size:10pt;">as been previously accrued</font><font style="font-family:Times New Roman;font-size:10pt;"> or a revision to the disclosed estimated range of possible losses, as applicable</font><font style="font-family:Times New Roman;font-size:10pt;">. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:12.25px;">The Company's legal proceedings range from cases brought by a single plaintiff to class actions with</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">millions</font><font style="font-family:Times New Roman;font-size:10pt;"> of putative class members. These legal proceedings, as well as governmental examinations, involve various lines of business of the Company and a variety of claims (including, but not limited to, common law tort, contract, antitrust and consumer protection claims), some of which present novel factual allegations and/or unique legal theories. While some matters pending against the Company specify the damages claimed by the plaintiff, many seek a not-yet-quantified amount of damages or are at very early stages of the legal process. 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This aggregate range represents management's estimate of possible loss with respect to these matters and is based on currently available information. This estimated range of possible loss does not represent the Company's maximum loss exposure. 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text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;<sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 60px; text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;<sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 60px; text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;<sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 60px; text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;<sup></sup></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;<sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 60px; text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;<sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 60px; text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 8px; text-align:left;border-color:#000000;min-width:8px;">&#160;<sup></sup></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 60px; text-align:right;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 8px; text-align:right;border-color:#000000;min-width:8px;">&#160;<sup></sup></td><td style="width: 10px; 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border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:39px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 134</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 137</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (363)</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:34px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:34px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 185px; text-align:left;border-color:#000000;min-width:185px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Salaries and employee benefits</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 214</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 186</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 195px; 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text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 39px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:39px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (297)</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (258)</font></td><td style="width: 9px; 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text-align:left;border-color:#000000;min-width:34px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; text-align:left;border-color:#000000;min-width:34px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 185px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:185px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">net of tax</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 39px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:39px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> &#8213;</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 109</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 18</font></td></tr><tr 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text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (633)</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 195px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total revenues net of interest expense</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 39px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:39px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:34px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:34px;">&#160;</td></tr><tr style="height: 13px"><td style="width: 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 34px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:34px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 186</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 195px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:195px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Total</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 39px; 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926</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 49px; text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1,069</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 209px; text-align:left;border-color:#000000;min-width:209px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Short-term debt of subsidiaries and affiliates</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 49px; 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text-align:left;border-color:#000000;min-width:49px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 49px; text-align:left;border-color:#000000;min-width:49px;">&#160;</td></tr><tr style="height: 13px"><td colspan="3" style="width: 209px; text-align:left;border-color:#000000;min-width:209px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Common shares</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 49px; text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 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style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 32,981</font></td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:13px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 49px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">33,315</font></td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">PARENT COMPANY </font><font style="font-family:Times New Roman;font-size:10pt;">&#8211; </font><font style="font-family:Times New Roman;font-size:10pt;">CONDENSED STATEMENTS OF CASH FLOWS </font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 13px"><td colspan="2" style="width: 486px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:486px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Years Ended December&#160;31 </font><font style="FONT-STYLE: italic;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">(Millions)</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; 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style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;" /></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:51px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:51px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; 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Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1,189</font></td></tr><tr style="height: 13px"><td colspan="3" style="width: 209px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:209px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Other assets</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;" /></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:13px;">&#160;</td><td style="width: 49px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 335</font></td><td style="width: 11px; 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style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 32,981</font></td><td style="width: 11px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 13px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:13px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 49px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:49px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">33,315</font></td></tr></table></div> 6076000000 123000000 378000000 136000000 335000000 1386000000 926000000 819000000 10354000000 13485000000 213000000 12202000000 8507000000 -1426000000 19496000000 32981000000 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style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">(224)</font></td></tr><tr style="height: 13px"><td colspan="2" style="width: 486px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:486px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Cash Flows from Financing Activities</font><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;" /></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:51px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:51px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:51px;">&#160;</td></tr><tr style="height: 13px"><td colspan="2" style="width: 486px; text-align:left;border-color:#000000;min-width:486px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Issuance/(principal payments) of/on long-term debt</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;" /></td><td style="width: 11px; 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style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; text-align:right;border-color:#000000;min-width:51px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">1,421</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; text-align:right;border-color:#000000;min-width:51px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">895</font></td></tr><tr style="height: 13px"><td colspan="2" style="width: 486px; text-align:left;border-color:#000000;min-width:486px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Issuance of American Express common shares and other</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;" /></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; text-align:right;border-color:#000000;min-width:51px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> 721</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; text-align:right;border-color:#000000;min-width:51px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">443</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; text-align:right;border-color:#000000;min-width:51px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;">594</font></td></tr><tr style="height: 13px"><td colspan="2" style="width: 486px; text-align:left;border-color:#000000;min-width:486px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Repurchase of American Express common shares</font><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;" /></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 16px; text-align:left;border-color:#000000;min-width:16px;">&#160;</td><td style="width: 51px; text-align:right;border-color:#000000;min-width:51px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: right;"> (3,943)</font></td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 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